This program is an activity of the UNESCO Global Action Programme (GAP) on Education for Sustainable Development (ESD)

Comments

September 1, 2017 00:53

*Message for 11:59pm, August 31st, 2017*

Hello My Dear Friends.

Thank you all for your constructive comments, contributions, support, encouragement and motivation. I do appreciate your presence on this great platform that brought us together for over 3 months. Our ideas and projects are unique and impressive and should be chanelled to the transformation of the World we live in.

It can take just one idea to change the world. So, we should keep supporting and encouraging one and another in the implementation and progress of our ideas and projects. We can come in partnership to see to the implementation of a particular idea. Together, we stand and I believe in the spirit of team. We shouldn’t depart from the resilient entrepreneurial drive and spirit, this platform (Youth Citizen Entrepreneurship Campus) rooted in us.

I wish us, success as we go out to make our communities, nations, society and the World proud.

Congratulations to us, all!

WE MADE IT!!

BEST OF LUCK!!

August 31, 2017 23:38

Hello my fellow traveler, How are you feeling as our road ends temporarily?
I have just seen your entry and have been thoroughly impressed by it. Will you be willing to collaborate incase you want to set it up on ground?
I would like to be in touch with you,
Cheers from Kabul.
Shuhra

August 31, 2017 22:54

Dear all;
Your comment is helpful, Thank you for you appreciation and a constructive suggestion.
As the YCEC draws closest to close take this from me,I am wishing all the best for all enterpreneurship campus comunity members.
I am glad that I was able to read your mind blowing project.
Best wishes for your success and thank you so much for your support on my project.
Really I am glad that you are doing such great works and for you Enterpreunerial sprit. I fully support your efforts.

I wish you all the success and all the best ma dear.

Good luck! THANK YOU all once again!
Abdisa B.
[email protected]

August 31, 2017 21:11

Hello fellow passenger,

You might have heard the famous song "What I've done" by Linkin park. The lyrics have been beautifully carved by the late singer Chester Bennington. The song covers the ways in which our so called development has helped only a handful of the upper society members, whereas people are still living in poverty.

We have a great platform here which is urging super brains from around the world to come together and collaborate with their ideas and help make this world a better place to live in. You have been a part of this community and I congratulate you on your effort that you have put in.

Thanks once again and all the best for the future
Regards,
Team GreenSpace

August 31, 2017 20:50

Hello my fellow traveler, How are you feeling as our road ends temporarily?
I have just seen your entry and have been thoroughly impressed by it. Will you be willing to collaborate incase you want to set it up on ground?
I would like to be in touch with you,
Cheers from Kabul.
Shuhra

August 31, 2017 20:20

hi,
All the best for your project.As today is the last day of competition I am glad that I was able to read your mind blowing project.
Best wishes for your success and thank you so much for your support on my project.

August 31, 2017 20:20

hi,
All the best for your project.As today is the last day of competition I am glad that I was able to read your mind blowing project.
Best wishes for your success and thank you so much for your support on my project.

August 31, 2017 19:29

Comrades,
In this fight for a sustainable future, what we need is innovation; something which is not necessarily new, but which makes us look at things from a different angle.

I believe this is one of the major motives of this community which we are a part of. Taking one step together hand in hand towards our goal is the only way we can achieve it.

So I wish you the very best in this endeavour of yours and hope to see you together in the new tomorrow

Regards,
Team GreenSpace

August 31, 2017 19:23

Hello Shuhra, ,

thank you very much again & again & again ........ for motivating me by your inspiring words & your kind comment that gives me much pleasure , I don't know what to say or how to thank you , seeing your comments on my idea is great honor for me , thank you very much again & good luck .

Best Regards!

August 31, 2017 19:23

Hello Shuhra, ,

thank you very much again & again & again ........ for motivating me by your inspiring words & your kind comment that gives me much pleasure , I don't know what to say or how to thank you , seeing your comments on my idea is great honor for me , thank you very much again & good luck .

Best Regards!

August 31, 2017 19:23

Hello Shuhra, ,

thank you very much again & again & again ........ for motivating me by your inspiring words & your kind comment that gives me much pleasure , I don't know what to say or how to thank you , seeing your comments on my idea is great honor for me , thank you very much again & good luck .

Best Regards!

August 31, 2017 18:18

Yes, it was a wonderful journey !
a. Reading them gives me good bumps. Will you be able to give me some more details about your proposal?
b. Also, please go through my IDEA called EDU-CELL and if you like it, please vote.
c. This is what I could think when I saw your proposal. Truly inspirational and positive initiative from your side that is sending ripples amongst my friends and relatives. If you think it will be applicable in Afghanistan, please send me the details.
Thank You !
Truly, Shuhra K, Afghanistan

August 31, 2017 18:14

Hello Abdisa Bencha Jara ,

thank you very much again & again & again ........ for motivating me by your inspiring words & your kind comment that gives me much pleasure , I don't know what to say or how to thank you , seeing your comments on my idea is great honor for me , thank you very much again & good luck .

Best Regards!

August 31, 2017 18:14

Hello Abdisa Bencha Jara ,

thank you very much again & again & again ........ for motivating me by your inspiring words & your kind comment that gives me much pleasure , I don't know what to say or how to thank you , seeing your comments on my idea is great honor for me , thank you very much again & good luck .

Best Regards!

August 31, 2017 18:13

Hello Seth ,

thank you very much again & again & again ........ for motivating me by your inspiring words & your kind comment that gives me much pleasure , I don't know what to say or how to thank you , seeing your comments on my idea is great honor for me , thank you very much again & good luck .

Best Regards!

August 31, 2017 18:10

Hello Uledi ,

thank you very much again & again & again ........ for motivating me by your inspiring words & your kind comment that gives me much pleasure , I don't know what to say or how to thank you , seeing your comments on my idea is great honor for me , thank you very much again & good luck .

Best Regards!

August 31, 2017 18:10

Hello Uledi ,

thank you very much again & again & again ........ for motivating me by your inspiring words & your kind comment that gives me much pleasure , I don't know what to say or how to thank you , seeing your comments on my idea is great honor for me , thank you very much again & good luck .

Best Regards!

August 31, 2017 18:09

Hello Otaigo Elisha ,

thank you very much for your kind comment that gives me much pleasure , It's great honor for me to read your great idea & to have your comments on mine , thank you very much again & good luck .

Best Regards!

August 31, 2017 18:07

Hello AJITH MATHEW THAKIDIYIL ,

thank you very much again & again & again ........ for motivating me by your inspiring words & your kind comment that gives me much pleasure , I don't know what to say or how to thank you , seeing your comments on my idea is great honor for me , thank you very much again & good luck .

Best Regards!

August 31, 2017 18:06

Hello Anita, ,

thank you very much again & again & again ........ for motivating me by your inspiring words & your kind comment that gives me much pleasure , I don't know what to say or how to thank you , seeing your comments on my idea is great honor for me , thank you very much again & good luck .

Best Regards!

August 31, 2017 18:05

Hello Shuhra, ,

thank you very much again & again & again ........ for motivating me by your inspiring words & your kind comment that gives me much pleasure , I don't know what to say or how to thank you , seeing your comments on my idea is great honor for me , thank you very much again & good luck .

Best Regards!

August 31, 2017 18:05

Hello Shuhra, ,

thank you very much again & again & again ........ for motivating me by your inspiring words & your kind comment that gives me much pleasure , I don't know what to say or how to thank you , seeing your comments on my idea is great honor for me , thank you very much again & good luck .

Best Regards!

August 31, 2017 18:00

Dear Campus Members;
Thank you all for your comments, ideas, and constructive suggestions
This is not final, eventhogh we are ending competition
"Success is not final; failure is not fatal: It is the courage to continue that counts."-- Winston S. Churchill.

So, We need to move forward our contributions to our world!

Keep it up guys!
I wish you all the success in your journey!

Kind Regards;
Abdisa B.

August 31, 2017 17:19

What a journey! I am truly amazed.
I read so many good thoughts including yours. UNESCO did a truly amazing job. And if you have already not read it, won’t it be great if you have a quick glance at my IDEA called EDU CELL.
Bye for now!
Shuhra (Kabul)

August 31, 2017 16:39

THANK YOU!
THANK YOU FOR READING MY PROPOSAL. I HAVE READ AND EVALUATED YOUR INITIATIVE AND I CANNOT BUT HELP GIVING IT MY HIGHEST COMPLIMENTS. HOW DID YOU MANAGE TO THINK OF SUCH A WONDERFUL IDEA, I WONDER?
ONCE GAIN A BIG THANK YOU FROM MY SIDE.
SK

August 31, 2017 16:39

THANK YOU!
THANK YOU FOR READING MY PROPOSAL. I HAVE READ AND EVALUATED YOUR INITIATIVE AND I CANNOT BUT HELP GIVING IT MY HIGHEST COMPLIMENTS. HOW DID YOU MANAGE TO THINK OF SUCH A WONDERFUL IDEA, I WONDER?
ONCE GAIN A BIG THANK YOU FROM MY SIDE.
SK

August 31, 2017 14:45

Dear Resiliant Entrepreneur,

It's only a few hours to the end of the competition, I want to urge you to not leave this community without the contact (email especially) of as many other entrepreneurs on this platform. You never can tell what your further conversations may produce.

It's the power of networking and leverage I'm talking about...
Here's my email ([email protected]) looking forward to hearing from you.

Regards
Seth

Aliaa

August 31, 2017 14:36

فكرة رائعة ومميزة يا أحمد سوف تفيد الاقتصاد على المستوى العالمي حيث ان بها امتيازات تساعد عملاء البنك والمودعين والمستثمرين وتساعد على تنشيط الاستثمار والاقتصاد وتحسين الدخل القومي والناتج القومي

August 31, 2017 08:20

Hi Ahmed
This has been opportunity to share our idea, like you said your copyright is now known all over the world, its much more when all this will turn to tangible things one day and I hope that bank you have dreamed is coming on your way just put more efforts to find more support.
Best of luck!

August 31, 2017 06:29

Dear Ahmed

I would like to thank you for your contribution towards developing idea, iappreciate and iinvite you for partnership with Novfeed which aim to Lower fish farmer production cost

August 31, 2017 05:12

Hiii!!!!!!!
As we are in to the last day of the competition, I am taking this opportunity to thank you for your valuable comments, votes and suggestions. Your project is very much interesting and helpful and I wish you would be there in the finals. I am concluding by this words-
"Often the difference between a successful person and a failure is not one has better abilities or ideas, but the courage that one has to bet on one’s ideas, to take a calculated risk – and to act".
I am wishing you to be a successful person.

REGARDS
AJITH MATHEW
!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

August 30, 2017 23:35

MY GREETINGS TO YOU!
SO HOW IS IT GOING? I HAVE READ AND EVALUATED YOUR INITIATIVE AND I CANNOT BUT HELP GIVING IT MY HIGHEST COMPLIMENTS. HOW DID YOU MANAGE TO THINK OF SUCH A WONDERFUL IDEA, I WONDER?
ON A DIFFERENT NOTE, CAN YOU PLEASE GO THROUGH MY EDU-CELL ENTRY? AND IF YES, THEN I WOULD BE MOST GRATEFUL IF YOU COULD VOTE FOR IT.
A BIG THANK YOU FROM MY SIDE.
SK !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

August 30, 2017 22:20

-------
Greetings from Afghanistan!
Awesone. Fantastic. Relevant. These are the three words that came to my mind when I read your proposal. Congratulations. If you get a moment, would you be kind enough to read my proposal (IDEAS) called EDU-CELL from Afghanistan? And if you do manage to read it, would you be kind enough to vote if you like the IDEA? And if I am not asking too much, please forward the link to your friends and family.
Thanks in anticipation!
Shuhra K

August 30, 2017 21:18

Dear Leader,

We are coming to the end of this awesome competition and I appreciate your efforts, drive and support on my idea, 'AfricEnergy'.

No matter how the result comes out, we should always be focused on implementing our unique ideas and projects for the improvement of the World.

Thank you for your contributions, advice and encouragement so far. I hope to connect with you via [email protected]

Best of Luck!

August 30, 2017 20:40

-------
Dear fellow entrepreneur:
(i) I went through the details of your idea and was indeed very impressed. Would you be kind enough to please explain to me as how you got this idea? Equally importantly, who were (are) the people who inspired you for you to come up with this idea.
(ii) May I also request that you please have a look at my idea called EDU-CELL. If it is relevant in your country, please let me know and I will be happy to provide you with more details to you. I can even help in establishing it in your place during the course of this year!
All the very best!
Shuhra

August 30, 2017 19:20

What a proposal! I am truly amazed.
So many good thoughts including yours. Reading them gives me good bumps. Will you be able to give me some more details about your proposal? And on a different note, won’t it be great if you have a quick glance at my IDEA called EDU CELL.
Take care!
Shuhra (Kabul)

August 30, 2017 16:51

Hello Daniel ,

thank you too my Dear brother for your valuable comments , I'm very happy because of your comment .
hope I could answer it in the best way & explain my ideas well & sorry for long explanation

I'm Wishing you all the best and success with your concept too as well & in your life in general

Best Regards!

August 30, 2017 16:45

greetings Mr
Ng Ching Tao ,

thank you very much for your kind comment that gives me much pleasure , It's great honor for me to read your great idea & to have your comments on mine , thank you very much again & good luck .

Best Regards!

August 30, 2017 16:42

Hello Abduljabbar Zia Usman ,

thank you very much for your kind comment that gives me much pleasure & it's very nice to see you here , thanks again , you are right it's heavy weight & hard working needed ,May God help us , thank you very much again , I wish you good luck .

Best Regards!

August 30, 2017 09:46

Hi Ahmed,

Thanks for providing detailed information in response to my comment on the Zero Bank Concept. I was totally lost :-) especially with the issue of discount.

Wishing you all the best and success with your concept.

Cheers!

August 30, 2017 09:07

Hi, it's great to read your innovative idea which could help our community in different aspects. It is not easy to go through all the stages and congratulation for your great ideas, hope to see your idea will come true soon.
I would like to invite you to read, comment and even vote for my idea 'Boosting economic growth in Africa with solar energy'. If you find it great, please also share it with your friends. Thank you very much.

August 30, 2017 07:15

This is long overdue. hoping this succeeds, it can go a long way in creating a fairer society as the risks involved in collecting a facility are equally shared among all parties. more power to your elbow.

August 30, 2017 05:58

Hello Firanbek Robele ,

thank you very much again & again & again ........ for motivating me by your inspiring words & your kind comment that gives me much pleasure , I don't know what to say or how to thank you , seeing your comments on my idea is great honor for me , thank you very much again & good luck .

Best Regards!

August 30, 2017 05:54

Hello Abdisa Bencha Jara ,

thank you very much for your kind comment that gives me much pleasure & it's very nice to see you here , thanks again , I hope the best for you too .

Best Regards!

August 30, 2017 05:54

Hello Abdisa Bencha Jara ,

thank you very much for your kind comment that gives me much pleasure & it's very nice to see you here , thanks again , I hope the best for you too .

Best Regards!

August 30, 2017 05:49

Hi Uledi ,

Thank you very much Dear brother , I really feel happy because I knew good friends like you & you are right , we have to take action so as we could protect our ideas & take it to the light .

best regards.

August 30, 2017 05:49

Hi Uledi ,

Thank you very much Dear brother , I really feel happy because I knew good friends like you & you are right , we have to take action so as we could protect our ideas & take it to the light .

best regards.

August 30, 2017 05:49

Hi Uledi ,

Thank you very much Dear brother , I really feel happy because I knew good friends like you & you are right , we have to take action so as we could protect our ideas & take it to the light .

best regards.

August 30, 2017 05:44

Greetings Emmanuel,

thank you very much for motivating me by your inspiring words & your kind comment that gives me much pleasure ,& your valuable advice.
well ,I think that the the competition is going well , I hope the same for you

I don't know what to say or how to thank you , seeing your comments on my idea is great honor for me , thank you very much again & good luck .

August 30, 2017 05:43

Greetings Emmanuel,

thank you very much for motivating me by your inspiring words & your kind comment that gives me much pleasure ,& your valuable advice.
well ,I think that the the competition is going well , I hope the same for you

I don't know what to say or how to thank you , seeing your comments on my idea is great honor for me , thank you very much again & good luck .

August 30, 2017 05:42

Hello AJITH MATHEW THAKIDIYIL,

thank you very much again & again & again ........ for motivating me by your inspiring words & your kind comment that gives me much pleasure , I don't know what to say or how to thank you , seeing your comments on my idea is great honor for me , thank you very much again & good luck .

Best Regards!

August 30, 2017 05:42

Hello AJITH MATHEW THAKIDIYIL,

thank you very much again & again & again ........ for motivating me by your inspiring words & your kind comment that gives me much pleasure , I don't know what to say or how to thank you , seeing your comments on my idea is great honor for me , thank you very much again & good luck .

Best Regards!

August 30, 2017 05:42

Hello AJITH MATHEW THAKIDIYIL,

thank you very much again & again & again ........ for motivating me by your inspiring words & your kind comment that gives me much pleasure , I don't know what to say or how to thank you , seeing your comments on my idea is great honor for me , thank you very much again & good luck .

Best Regards!

August 30, 2017 05:40

Dear brother Seth ,

thank you very much again & again & again ........ for motivating me by your inspiring words & your kind comment that gives me much pleasure , I don't know what to say or how to thank you , seeing your comments on my idea is great honor for me , thank you very much again & good luck .

Best Regards!

August 30, 2017 05:40

Dear brother Seth ,

thank you very much again & again & again ........ for motivating me by your inspiring words & your kind comment that gives me much pleasure , I don't know what to say or how to thank you , seeing your comments on my idea is great honor for me , thank you very much again & good luck .

Best Regards!

August 30, 2017 05:39

Hello Firanbek Robele ,

thank you very much for your kind comment that gives me much pleasure & your encouragement for me to keep it up , thanks again , I hope the best for you too .

Best Regards!

August 30, 2017 05:39

Hello Firanbek Robele ,

thank you very much for your kind comment that gives me much pleasure & your encouragement for me to keep it up , thanks again , I hope the best for you too .

Best Regards!

August 30, 2017 05:38

Hello Abumesk ,

thank you very much for your kind comment that gives me much pleasure & your encouragement for me to keep it up , thanks again , I hope the best for you too .

Best Regards!

August 30, 2017 02:34

Hello,

This entrepreneurship-campus platform has been amazing it has enabled us to see all the enthusiasts and to share our passion and experiences to learn from each other. Good luck with your work and wishing you all the success on your journey. Please try to keep in touch; this is important to me as I find this inspirational.

I appreciate all your votes, valuable feedback, advice, and suggestions. For me it has helped me to improve my ideas and also helps me to win and learn from the ideas that you have given me.

Best of Luck! And keep it up

Kindest regards

Abumesk

August 29, 2017 20:09

Hi Ahmed,

what a new Idea I don't know much about Banking but I think this is a very good Idea really as an Egyptian I'm very proud of you and I hope you have promising steps for your progress

August 29, 2017 19:20

Dear Entrepreneurship campus member;

Thank you for being here all this while. I appreciate all your effort and appreciation, suggestion, question on my project. I learned a lot from you guys. Really I have no word to describe Entrepreneurship campus members.

Now we are reaching the end of the competition. I want to thank everyone who have been voting and commenting on my project and interest in helping to support CCT--Cities Controlling and Reporting Tool.

I have gone through all your ideas and projects, I have learnt a lot. i will read its again once and I will comment professionally.

Really I am glad that you are doing such great works and for you Enterpreunerial sprit. I fully support your efforts.

Good luck! THANK YOU all once again!

August 29, 2017 17:34

Hi Ahmed
I saw your response to my yesterday's comment, I was happy to know that you won some prize for your idea and made a copyright with Google. That are the stepping stones towards implementation of this idea.
Best of luck!
Uledi Kimbavala
Zero hunger is possible

August 29, 2017 12:51

If i had the chance I would say let all the ideas make it to the finals but my advice is, beyond YCEC continue to develop your idea and make the world a better place through what you have. For me Money is synonymous with IMPACT. The more people you impacted with this idea the more money you have and more better he world becomes.
God bless you. Thanks for voting for my idea as I did voted for you too.
CHEERS.

August 29, 2017 12:50

If i had the chance I would say let all the ideas make it to the finals but my advice is, beyond YCEC continue to develop your idea and make the world a better place through what you have. For me Money is synonymous with IMPACT. The more people you impacted with this idea the more money you have and more better he world becomes.
God bless you. Thanks for voting for my idea as I did voted for you too.
CHEERS.

August 29, 2017 09:39

Congratulations!!!!!!!
Without change there is no innovation, creativity, or incentive for improvement. Those who initiate change will have a better opportunity to manage the change that is inevitable. So change this world with your idea.
Wishing you all the success and hope you will be there in the finals.

BEST OF LUCK

AJITH MATHEW

August 29, 2017 08:40

Also,

It's not over until it's over.
It may be a few days to the end of the competition but it's not the end of your dreams.
There's still a lot you can achieve with this, stay focused.

Regards

August 29, 2017 08:24

Dear Fellow participant,

You have done well thus far. Only few people will venture relentlessly into the things in which their instincts proposes because sometimes the goal appears too crazy to achieve, so they just retreat.

Actually, someone has said that "The people who are crazy enough to think they can change the world, are the ones who do."

You may have seen this before but I want to remind you that it's true, only those who are "crazy enough" eventually get results.

Congratulations for been "crazy enough" (seeing beyond normal and following your dreams despite the odds)...

Best wishes,
Seth

August 29, 2017 03:01

Hello everyone,

Now we are reaching the end of the competition. I want to thank everyone who have been voting and commenting on my ideas and interest in helping support GU.

As all of you said, a visual universal language is needed for this continuously developing society. I am trying my best to launch my Gadaa Universe with the help of you and your constructive comments. We will do whatever it takes to exceed your expectations.

Best of Luck! And keep it up

Kind regards

Abumesk

August 28, 2017 18:09

Hi Ahmed

I'm pleased to have a look at your idea . it\'s good mix and could be a good seed for big tree if you care about it & water it with your effort

cheers

August 28, 2017 18:03

I like the spirit of all of you all my friends , nice feelings between us , I think that is the best thing & that is what remains m I'm proud to be belonged to that great group & being here make me very happy , thank you all.

Ahmed

August 28, 2017 17:58

Hello Shuhra, ,

thank you very much again & again & again ........ for motivating me by your inspiring words & your kind comment that gives me much pleasure , I don't know what to say or how to thank you , seeing your comments on my idea is great honor for me , thank you very much again & good luck .

Best Regards!

August 28, 2017 17:58

Hello Shuhra, ,

thank you very much again & again & again ........ for motivating me by your inspiring words & your kind comment that gives me much pleasure , I don't know what to say or how to thank you , seeing your comments on my idea is great honor for me , thank you very much again & good luck .

Best Regards!

August 28, 2017 17:55

Hello Anita,

thank you very much again & again & again ........ for motivating me by your inspiring words & your kind comment that gives me much pleasure , I don't know what to say or how to thank you , seeing your comments on my idea is great honor for me , thank you very much again & good luck .

Best Regards!

August 28, 2017 17:55

Hello Anita,

thank you very much again & again & again ........ for motivating me by your inspiring words & your kind comment that gives me much pleasure , I don't know what to say or how to thank you , seeing your comments on my idea is great honor for me , thank you very much again & good luck .

Best Regards!

August 28, 2017 17:55

Hello Anita,

thank you very much again & again & again ........ for motivating me by your inspiring words & your kind comment that gives me much pleasure , I don't know what to say or how to thank you , seeing your comments on my idea is great honor for me , thank you very much again & good luck .

Best Regards!

August 28, 2017 17:53

Hello Seth ,

thank you very much again & again & again ........ for motivating me by your inspiring words & your kind comment that gives me much pleasure , I don't know what to say or how to thank you , seeing your comments on my idea is great honor for me , thank you very much again & good luck .

Best Regards!

August 28, 2017 17:53

Hello Seth ,

thank you very much again & again & again ........ for motivating me by your inspiring words & your kind comment that gives me much pleasure , I don't know what to say or how to thank you , seeing your comments on my idea is great honor for me , thank you very much again & good luck .

Best Regards!

August 28, 2017 17:53

Hello Seth ,

thank you very much again & again & again ........ for motivating me by your inspiring words & your kind comment that gives me much pleasure , I don't know what to say or how to thank you , seeing your comments on my idea is great honor for me , thank you very much again & good luck .

Best Regards!

August 28, 2017 17:50

Greetings Alero Thompson ,

thank you very much for motivating me by your inspiring words & your kind comment that gives me much pleasure ,& your valuable advice.
well ,I think that the the competition is going well , I hope the same for you

I don't know what to say or how to thank you , seeing your comments on my idea is great honor for me , thank you very much again & good luck .

August 28, 2017 17:50

Greetings Alero Thompson ,

thank you very much for motivating me by your inspiring words & your kind comment that gives me much pleasure ,& your valuable advice.
well ,I think that the the competition is going well , I hope the same for you

I don't know what to say or how to thank you , seeing your comments on my idea is great honor for me , thank you very much again & good luck .

August 28, 2017 17:50

Greetings Alero Thompson ,

thank you very much for motivating me by your inspiring words & your kind comment that gives me much pleasure ,& your valuable advice.
well ,I think that the the competition is going well , I hope the same for you

I don't know what to say or how to thank you , seeing your comments on my idea is great honor for me , thank you very much again & good luck .

August 28, 2017 17:44

Hi uledi ,

thank you very much again for motivating me by your inspiring words & your kind comment that gives me much pleasure ,& your valuable advice , I don't know what to say or how to thank you , seeing your comments on my idea is great honor for me , thank you very much again & good luck .

if someone established a Company of my idea and ran it all over the World & so on., my benefit from sharing my innovation here is helping people , helping people is the best benefit for me . , & I hope God be satisfied of me. maybe I will get my reward in this life ,maybe I could have my reward in the other life , any way , God Gave me this Idea , so , it Belongs to God , I'm just the tool to spread it , I hope I could do it well .
& for the Youth Citizen Entrepreneurship , I trust them very much for the copyright of my ideas ,& I would like to thank them very much for giving me the chance to publish my ideas for the whole world. as I have a copyright of these ideas in Egypt with other works and ideas before in 2011 & also I have a copyright from Google as I wrote it in an article & won in competition from google in 2009 so ,it's on the database of Google , & also reserved in some sites like google knowledge & WordPress since 2009

August 28, 2017 17:44

Hi uledi ,

thank you very much again for motivating me by your inspiring words & your kind comment that gives me much pleasure ,& your valuable advice , I don't know what to say or how to thank you , seeing your comments on my idea is great honor for me , thank you very much again & good luck .

if someone established a Company of my idea and ran it all over the World & so on., my benefit from sharing my innovation here is helping people , helping people is the best benefit for me . , & I hope God be satisfied of me. maybe I will get my reward in this life ,maybe I could have my reward in the other life , any way , God Gave me this Idea , so , it Belongs to God , I'm just the tool to spread it , I hope I could do it well .
& for the Youth Citizen Entrepreneurship , I trust them very much for the copyright of my ideas ,& I would like to thank them very much for giving me the chance to publish my ideas for the whole world. as I have a copyright of these ideas in Egypt with other works and ideas before in 2011 & also I have a copyright from Google as I wrote it in an article & won in competition from google in 2009 so ,it's on the database of Google , & also reserved in some sites like google knowledge & WordPress since 2009

August 28, 2017 16:05

Well done my friend, how is the competition going for you? I want to encourage you to continue with this idea as it the right thing to do for your community. As youths we are the game changers and players of today and tomorrow's history. Your idea is the best thing that could ever happen to your community, just keep up the good work, I see you at the top 10 and most of all I want you to not give up and to carry this idea beyond this competition.

Weldon, all the best!

uledi kimbavala

August 28, 2017 15:32

Hello AhmedAhmed

This idea is real unique but is very possible for you because you have demonstrated capability of running it.If an ordinary person can establish a Company and run it all over the World you also can do that, and good enough you can make the way for the next generation to take it to an extraordinary levels, just stick to how unique you are and to..
"What real motivates the Founder" ( Prof. Gunter Feltin, Online courses).
Congratulations for being courageous enough.
You may wish to share your experience in my idea " Zero hunger is possible"
Best of luck!
Uledi Kimbavala
Zero hunger is possible

August 28, 2017 13:50

Hello My Friend!

Thank you for being here all this while. Your dreams are valid and your project is very viable. Keep thriving and best will keep coming your way.

Best of Luck.

August 28, 2017 11:10

Thank you very much Ahmed,

As the competition draws to an end. I want to use this opportunity to specially thank everyone that have supported my idea so far (and that includes you), your contributions and criticism are well appreciated.

Thanks again and best wishes
Seth Thomas
CISTEM

August 27, 2017 17:05

Dear Colleagues ,

Thank you all for your nice feelings & your support ,comments , likes & valuable advice , it was a great nice Journey , but the best thing of it is meeting good friends like you , I hope every one of you achieve his dreams.
thanks again & best wishes for you all.

your brother Ahmed

August 27, 2017 16:51

Hello Mido ,

thank you very much for your kind comment that gives me much pleasure & your encouragement for me to keep it up , thanks again , I hope the best for you too .

Best Regards!

August 27, 2017 16:51

Hello Mido ,

thank you very much for your kind comment that gives me much pleasure & your encouragement for me to keep it up , thanks again , I hope the best for you too .

Best Regards!

August 27, 2017 16:51

Hello Mido ,

thank you very much for your kind comment that gives me much pleasure & your encouragement for me to keep it up , thanks again , I hope the best for you too .

Best Regards!

August 27, 2017 16:51

Hello Mido ,

thank you very much for your kind comment that gives me much pleasure & your encouragement for me to keep it up , thanks again , I hope the best for you too .

Best Regards!

August 27, 2017 16:50

Abdullah ,

thank you very much for your kind comment that gives me much pleasure & your encouragement for me to keep it up , thanks again , I hope the best for you too .

Best Regards!

August 27, 2017 16:49

Abdullah ,

thank you very much for your kind comment that gives me much pleasure & your encouragement for me to keep it up , thanks again , I hope the best for you too .

Best Regards!

August 27, 2017 16:47

Hello dear members of the entrepreneurship community,

I hope you will join us too and learn the GU universal communication system and the Gadaa system practices when the platform and the system implementations are complete and fully ready for use. This work is still under development. I will let you know once it is finished.

Please keep your constructive comments. Your feedback is important! Many thanks to all contributors!

Thank you for supporting GU project. We will notify you as soon as the platform is live.

Best of Luck!

August 27, 2017 16:43

Hello Firanbek Robele ,

all the best wishes for you & your platform , it will be great honor for me to join & I will be pleased to be member of that nice project.

good luck

August 27, 2017 16:43

Hello Firanbek Robele ,

all the best wishes for you & your platform , it will be great honor for me to join & I will be pleased to be member of that nice project.

good luck

August 27, 2017 16:43

Hello Firanbek Robele ,

all the best wishes for you & your platform , it will be great honor for me to join & I will be pleased to be member of that nice project.

good luck

August 27, 2017 16:40

Hello Anita ,

thank you very much again for motivating me by your inspiring words & your kind comment that gives me much pleasure ,& , I don't know what to say or how to thank you , seeing your comments on my idea is great honor for me , thank you very much again & good luck .

Best Regards!

August 27, 2017 16:36

Hello Seth ,

thank you very much again for motivating me by your inspiring words & your kind comment that gives me much pleasure , I don't know what to say or how to thank you , seeing your comments on my idea is great honor for me , thank you very much again & good luck .

Best Regards!

Mido

August 27, 2017 14:26

Hello Ahmed,

this is a great Idea which encourages the investment and improves the economy if the implementation was done as well as the idea.

Best Regards

Abdullah

August 27, 2017 12:11

Hi Ahmed,

I hope you are fine and I wish you good luck in this contest because you have awesome Idea which is considered very important in my point of view

best wishes

August 27, 2017 07:27

Dear Entrepreneur,

It's a new day and few days to the end of the competition. It has been nice and encouraging having you here, on this platform. I wish to appreciate you.

Best of Luck!

August 26, 2017 23:54

Dear Champion,

It takes just one idea/project to transform the world. As you keep working hard towards your dreams and to add your quota in the improvement of the world, I wish you the best of luck.

Remain Lifted!

August 26, 2017 19:16

Hello Great Mind,

You have come a long way with this competition and I want to congratulate you for the resilience you have show so far. I tell you what? It's not going to go unrewarded.

Bill Gates has said that "As we look into the next century, leaders will be those who empower others." I totally agree with the successful software developer!

With that, I want to honestly congratulate you once more for been a leader, especially such that will empower others!

You're relevant and I wish you the best with your project.
I wish that we could network beyond the competition,

Kindest regards,
Seth Thomas
CISTEM
([email protected])

August 26, 2017 18:59

Hello,

To all the people who are asking how to join once the GU platform goes live, all you need to do is to create a free account. Please keep an eye out on the website and my social media pages at: http://gadaauniverse.com/

Kind regards

August 26, 2017 14:45

Hello Great Mind!

Thank you for your support to AfricEnergy so far. I appreciate your kind words, positive remarks and contribution on my idea.
As you continue to progress in your quest for the improvement of the World, I wish you success and breakthrough.

Best of Luck!

August 26, 2017 13:56

Hello Great Mind,

You have come a long way with this competition and I want to congratulate you for the resilience you have proven so far. I tell you what? It's not going to go unrewarded.

Bill Gates has said that "As we look into the next century, leaders will be those who empower others." I totally agree with the successful software developer!

With that, I want to honestly congratulate you once more for been a leader, especially such that will empower others!

You're relevant and I wish you the best with your project.
I wish that we could network beyond the competition,

Kindest regards,
Seth Thomas
CISTEM
([email protected])

August 25, 2017 20:56

Dear uledi ,

thank you very much for you too for your comment ,& you are welcome any time , well ,I would like to be optimistic but it's not easy , I think it would take years ,but I hope it could be implemented as soon as possible.

Best Regards!

August 25, 2017 20:56

Dear uledi ,

thank you very much for you too for your comment ,& you are welcome any time , well ,I would like to be optimistic but it's not easy , I think it would take years ,but I hope it could be implemented as soon as possible.

Best Regards!

August 25, 2017 20:56

Dear uledi ,

thank you very much for you too for your comment ,& you are welcome any time , well ,I would like to be optimistic but it's not easy , I think it would take years ,but I hope it could be implemented as soon as possible.

Best Regards!

uledi kimbavala

August 25, 2017 05:27

Dear Ahmed
Thank you for the response to my last concerns, referring to your recently response to Anita, how are this challenge can be approached in your idea and how long may this idea take to its full implementation if it has full support.
Congratulations for this unique idea.
Uledi Kimbavala
"Zero hunger is possible"

August 24, 2017 23:41

greetings Mr AJITH MATHEW THAKIDIYIL,

thank you very much for your kind comment that gives me much pleasure , It's great honor for me to read your great idea & to have your comments on mine , thank you very much again & good luck .

Best Regards!

August 24, 2017 23:41

greetings Mr AJITH MATHEW THAKIDIYIL,

thank you very much for your kind comment that gives me much pleasure , It's great honor for me to read your great idea & to have your comments on mine , thank you very much again & good luck .

Best Regards!

August 24, 2017 23:24

Hello Anita,

the challenges that I think I may encounter during the implementation of this idea the international regulations & national laws & the financing , it needs huge mount of money

Thank you.

August 24, 2017 23:24

Hello Anita,

the challenges that I think I may encounter during the implementation of this idea the international regulations & national laws & the financing , it needs huge mount of money

Thank you.

August 24, 2017 19:03

Hi Ahmed,
Your idea is very much appreciable. People like you are a blessing to the modern world because you are utilizing your skill to help the common people. Keep this spirit throughout your life. The will to do varitiies in life opens up the door of opportunities. So keep this positive attitude always .
I wish you all the success for this competition and also please vote and comment on my project “AUTOMATIC COCOA BEAN SEPARATING MACHINE”.

August 24, 2017 16:22

Hello Ahmed!

As your idea aims to provide low interest loans for businesses, hospitals, what are the challenges do you believe you may encounter during the implementation of your idea?

Thank you.

August 24, 2017 11:53

greetings Shuhra,

thank you very much for your kind comment that gives me much pleasure ,
would you like to to tell me which information you would like to know more about it exactly ? , & which part of financial aspects you would like to know about ?
thanks again & i hope you best wishes :))

August 24, 2017 11:53

greetings Shuhra,

thank you very much for your kind comment that gives me much pleasure ,
would you like to to tell me which information you would like to know more about it exactly ? , & which part of financial aspects you would like to know about ?
thanks again & i hope you best wishes :))

August 24, 2017 11:39

Hello Dear brother Seth ,

thank you very much again for motivating me by your inspiring words & your kind comment that gives me much pleasure ,& your valuable advice , I don't know what to say or how to thank you , seeing your comments on my idea is great honor for me , thank you very much again & good luck .

Best Regards!

August 24, 2017 11:39

Hello Dear brother Seth ,

thank you very much again for motivating me by your inspiring words & your kind comment that gives me much pleasure ,& your valuable advice , I don't know what to say or how to thank you , seeing your comments on my idea is great honor for me , thank you very much again & good luck .

Best Regards!

August 24, 2017 11:36

Hello Anita ,

thank you very much again for motivating me by your inspiring words & your kind comment that gives me much pleasure ,& , I don't know what to say or how to thank you , seeing your comments on my idea is great honor for me , thank you very much again & good luck .

Best Regards!

August 24, 2017 11:36

Hello Anita ,

thank you very much again for motivating me by your inspiring words & your kind comment that gives me much pleasure ,& , I don't know what to say or how to thank you , seeing your comments on my idea is great honor for me , thank you very much again & good luck .

Best Regards!

August 24, 2017 11:32

greetings Team GreenSpace,

thank you very much for your kind comment that gives me much pleasure , It's great honor for me to read your great idea & to have your comments on mine , thank you very much again & good luck .

Best Regards!

August 24, 2017 11:32

greetings Team GreenSpace,

thank you very much for your kind comment that gives me much pleasure , It's great honor for me to read your great idea & to have your comments on mine , thank you very much again & good luck .

Best Regards!

August 24, 2017 11:28

Hello Anita ,

thank you very much again for your kind comment that gives me much pleasure ,& for sharing these useful videos with me , I don't know what to say or how to thank you , It's great honor for me to read your great idea & to have your comments on mine , thank you very much again & good luck .

Best Regards!

August 24, 2017 11:28

Hello Anita ,

thank you very much again for your kind comment that gives me much pleasure ,& for sharing these useful videos with me , I don't know what to say or how to thank you , It's great honor for me to read your great idea & to have your comments on mine , thank you very much again & good luck .

Best Regards!

August 23, 2017 23:05

Greetings from a same journey woman!
While reviewing the ideas and projects, I stopped at your proposal. I have gone through it but I feel I need more information, especially about the financial aspects. Do you think you can provide that to me? Secondly, if you need any assistance or more information about my idea, kindly let me know after checking out my idea: EDU-CELL in AFGHANISTAN.
Looking forward to hearing from you!
SK

August 23, 2017 20:40

Hello Great Mind!

Its been awesome having you around, the first step towards creating a change is first to dare to make the move... You have what it takes to change the world, don't give it up for nothing!

I believe that nothing in this world can quench the passion to change the world burning in a determined soul as yours!

Stay motivated, great mind, it's possible!
Thomas Seth

August 23, 2017 14:44

Hello Champion!

According to Wednesday's Inspiration from Youth Citizenship Entrepreneurship Competition: Don't wish it were easy, wish you were better.

Champion, we should always keep forging ahead, refining ourselves and ideas until we improve the world.

Best of Luck!

August 23, 2017 09:02

Hi,
After going through your idea, I firmly believe that you can successfully convert it to an executable project and help the society grow in a sustainable manner. I wish you the best for the same.

I would really appreciate if you could go through my idea as well(follow this link https://www.entrepreneurship-campus.org/ideas/12/5961/comments). Our idea deals with covering an otherwise unused rooftop of a building with green plants, and using that space for a multitude of activities. This would have various positive effects on the environment and also the society in general.

Thank you
Team GreenSpace

August 23, 2017 08:22

An Awesome Day to You, Dear Campus Colleague,

Cheeking through your idea and seeing it progress in this competition leaves me motivated and inspired that with us, our planet will become better and flourish in goodness and development desired by every human being with dreams and aspirations. To keep you moving and staying on in face of challenges as growing Entrepreneurs, it is my pleasure to share this link with you, "7 MOVIES Every Entrepreneur Should Watch", copy and paste this link to view; youtube.com/watch?v=s3x-_yRRUrk

All the best to you in you Idea!

Cheers
Anita Mbah.

August 23, 2017 06:35

Dear Ahmed,

thank you very much for your kind comment that gives me much pleasure , you are right it's really super competition and all competitors are great with marvelous ideas , thanks again , I hope the best for you .

Best Regards!

August 23, 2017 06:35

Dear Ahmed,

thank you very much for your kind comment that gives me much pleasure , you are right it's really super competition and all competitors are great with marvelous ideas , thanks again , I hope the best for you .

Best Regards!

August 23, 2017 06:33

greetings sister Shuhra ,

thank you very much for you too for your comment ,& you are welcome any time , I hope my comment be helpful for you , thank you for appreciating it , good luck

Best Regards!

August 23, 2017 06:21

Hello Anita ,

thank you very much again ,& you are welcome any time , it's kind of you to say so , I don't know what to say or how to thank you , It's great honor for me to read your great idea & to have your comments on mine , thank you very much again & good luck .

Best Regards!

August 23, 2017 06:21

Hello Anita ,

thank you very much again ,& you are welcome any time , it's kind of you to say so , I don't know what to say or how to thank you , It's great honor for me to read your great idea & to have your comments on mine , thank you very much again & good luck .

Best Regards!

August 23, 2017 05:54

Greetings Mr Uledi ,

thank you very much , about the salaries ,it will be generated from the profit of the bank which will come from selling the catalogues that contains the discount cards for the people those don't have account in the bank and gain the profit from selling the catalogues & give the employees their salaries .
thank you very much ,I hope could explain it well , thanks again & good luck

Best Regards!

August 23, 2017 05:54

Greetings Mr Uledi ,

thank you very much , about the salaries ,it will be generated from the profit of the bank which will come from selling the catalogues that contains the discount cards for the people those don't have account in the bank and gain the profit from selling the catalogues & give the employees their salaries .
thank you very much ,I hope could explain it well , thanks again & good luck

Best Regards!

August 23, 2017 05:43

Dear Seth ,

thank you very much again , it's nice from you to say so ,I don't know what to say or how to thank you , I wish you success in your future too as well , I saw your Idea it's great idea and helping a lot of people & it could make great change in the world . good luck for you .

Best Regards!

Ahmad

August 22, 2017 22:50

Hello Ahmed

this is super competition and all competitors are great with marvelous ideas . well done for you all I wish you all the best for all of you.

nice idea Ahmed & good work

good luck

August 22, 2017 13:36

Thank you very much for you comment, suggestion and humble advice. I really do appreciate your opinion.
Best regards,
Shuhra Khoofi from "Edu-Cell"
(https://www.entrepreneurship-campus.org/ideas/12/5830/)

August 22, 2017 02:37

Thank you Ahmed.

Having you around is very encouraging and wonderful. I wish you success on your journey and you should always expect the best coming your way.

You may like to see my idea, AfricEnergy, for comments and support.

Cheers.

August 21, 2017 09:12

Hi
You have a very interesting idea as it is real life changing but the can you elaborate a bit how will the salaries be generated without interest. Congulatulation for the efforts you're putting on this idea.
Best of luck!

August 20, 2017 21:47

Dear Ahmed,
Congratulations on your progress so far, you will greatly affect the banking sector and assist a lot of entrepreneurs seeking easy funds. Just to say that you keep up and be encouraged to do more.

Kindest regards,
Seth

August 20, 2017 15:23

Hello Anita!

thank you very much again , I wish you success in your future too as well , I saw your Idea it's great idea and helping people & could make great change in the world of energy . good luck for you .

Best Regards!

August 20, 2017 15:23

Hello Anita!

thank you very much again , I wish you success in your future too as well , I saw your Idea it's great idea and helping people & could make great change in the world of energy . good luck for you .

Best Regards!

August 19, 2017 06:54

thank you very much , you are absolutely right it is challenging and needs hard work to achieve, but I hope the dream comes true and I hope it could help al the people & be achieved in good way

Best Regards!

August 19, 2017 06:54

thank you very much , you are absolutely right it is challenging and needs hard work to achieve, but I hope the dream comes true and I hope it could help al the people & be achieved in good way

Best Regards!

August 19, 2017 06:36

Greetings Mr Firanbek Robele ,

thank you very much for your kind comment that gives me much pleasure & your encouragement for me to keep it up , thanks again , I hope the best for you too .

Best Regards!

August 19, 2017 06:36

Greetings Mr Firanbek Robele ,

thank you very much for your kind comment that gives me much pleasure & your encouragement for me to keep it up , thanks again , I hope the best for you too .

Best Regards!

August 19, 2017 06:36

Greetings Mr Firanbek Robele ,

thank you very much for your kind comment that gives me much pleasure & your encouragement for me to keep it up , thanks again , I hope the best for you too .

Best Regards!

August 16, 2017 07:43

Hello Ahmed!

You are welcome and I admire your entrepreneurial drive and motivation to help people and communities. I wish you success in your future undertakings.

You can stop by on my idea and add your contribution.

Best of Luck!

August 16, 2017 07:37

Although it is challenging and needs hard work to achieve, it could change the shape of the economy all over the world and motivates people towards investment. It provides opportunity for all and leads to development in banking sector as well as in global economy.Good wishes and good luck.

August 16, 2017 07:28

Dear Ahmed El-Ghamry

This is a great concept and is going to help many people. Non-interest banking could attract a great deal of attention which in turn could encourage investment and improve the economy. I think it really deserves implementation. Please keep it up. All the best.

August 16, 2017 07:27

Dear Ahmed El-Ghamry
This is a great concept and is going to help many people. Non-interest banking could attract a great deal of attention which in turn could encourage investment and improve the economy. I think it really deserves implementation. Please keep it up. All the best.

August 15, 2017 22:12

Greetings sister Anita Mbah,

thank you very much for your kind comment that gives me much pleasure , I wish you success for you too , thanks again , I hope the best for you .

Best Regards!

August 15, 2017 22:12

Greetings sister Anita Mbah,

thank you very much for your kind comment that gives me much pleasure , I wish you success for you too , thanks again , I hope the best for you .

Best Regards!

August 13, 2017 11:21

Hello Ahmed!

You have got a great idea and this will minimize the fear of heavy interest from Banks. This will eventually, encourage people with businesses, especially start-ups to seek for loans for business scale up. I wish you success

Best Regards!

August 9, 2017 04:59

Greetings Brother Ahmad,

thank you very much for your kind comment that gives me much pleasure , If you would like to know more about the Idea ,you will find more explanation in the comments , I hope you like it

thanks again & best wishes

August 9, 2017 04:59

Greetings Brother Ahmad,

thank you very much for your kind comment that gives me much pleasure , If you would like to know more about the Idea ,you will find more explanation in the comments , I hope you like it

thanks again & best wishes

August 9, 2017 04:50

The advantages of the bank for the community
• Increasing investment and to encouraging direct investment and to giving opportunities for owners of small and large projects to achieve their ideas and enrich the community
• strengthening the relationship between the depositors and investors and between them and the projects and products, making each individual feel his role in the development and being main element&part of the production wheel
• Giving the bank the function of marketing as well as funding, as many of the new projects need to marketing
• Reduction of inflation may even we can say reverse it as it turnover the interest which is the cause of increasing prices and turn it into a discount that leads to lower commodity prices
• Investors will do their best to improve the quality of their goods so as to increase the demand for increasing the sold quantity of goods, which speed up the period of the discount end as a result of finishing the discount amount
• Elimination of the interest and the side effects upon the output
• Another feature that it prevents the money owners from relying on the gross rent which interests leads to lazy being, inciting and other reliance&dependence on others & on their money&increasing complacency & wealthy free of charge without work or any effort at the expense of the poor hardworking people, but urges them to work, but they make good use of the, discounts provided by the Bank
• Working to encourage the owners of the money who do not have ideas of projects to help them to put their money in the bank and not to fear of falling into the suspicions arising from the interest.
• Working on the management and operation of the money and stagnant energies and resources of the people and of the banks with the interests that the demand for investment in it be lower as a result of high interest
• Reduction of unemployment and encouraging the owners of ideas and projects to achieve their projects and the recruitment of potential wasted powers
• Development of social capital as the spread of unemployment lead to a rise in crime due to the large number of lost time and lack of material resources of the poor
• The development of intellectual capital due to encouraging young people and owners of new ideas to achieve it instead of keeping it left and lost in a world of imagination

I Hope I could Explain it well for you & sorry for long explanation

August 9, 2017 04:49

The advantages of the bank for the community
• Increasing investment and to encouraging direct investment and to giving opportunities for owners of small and large projects to achieve their ideas and enrich the community
• strengthening the relationship between the depositors and investors and between them and the projects and products, making each individual feel his role in the development and being main element&part of the production wheel
• Giving the bank the function of marketing as well as funding, as many of the new projects need to marketing
• Reduction of inflation may even we can say reverse it as it turnover the interest which is the cause of increasing prices and turn it into a discount that leads to lower commodity prices
• Investors will do their best to improve the quality of their goods so as to increase the demand for increasing the sold quantity of goods, which speed up the period of the discount end as a result of finishing the discount amount
• Elimination of the interest and the side effects upon the output
• Another feature that it prevents the money owners from relying on the gross rent which interests leads to lazy being, inciting and other reliance&dependence on others & on their money&increasing complacency & wealthy free of charge without work or any effort at the expense of the poor hardworking people, but urges them to work, but they make good use of the, discounts provided by the Bank
• Working to encourage the owners of the money who do not have ideas of projects to help them to put their money in the bank and not to fear of falling into the suspicions arising from the interest.
• Working on the management and operation of the money and stagnant energies and resources of the people and of the banks with the interests that the demand for investment in it be lower as a result of high interest
• Reduction of unemployment and encouraging the owners of ideas and projects to achieve their projects and the recruitment of potential wasted powers
• Development of social capital as the spread of unemployment lead to a rise in crime due to the large number of lost time and lack of material resources of the poor
• The development of intellectual capital due to encouraging young people and owners of new ideas to achieve it instead of keeping it left and lost in a world of imagination

I Hope I could Explain it well for you & sorry for long explanation

August 9, 2017 04:47

The advantages of the bank for investors
• The golden bank gives a great assistance to help the investor in all types of goods & services and all production stages & processes, from the starting process of establishing the company because in process of construction and at the beginning of the product life cycle where the increasing costs and lack of profit, which is almost equal to zero, if not actually less, if we suppose the existence of the interests costs plus it, that make it worse-& that leads the investor to one of three choices, either the investor stops the production for the payment of interests and be forced to end the company - and thus ended the life cycle of the product before it starts - or increases the price to increase his profit so as he could repay the loan and interest, which leads to a decline in demand for goods as a result of the high price


• This is not only for the starting company which may be at the beginning ,but it is also happens to the company that already has reached the stage of decay, which forces them to variety their activities and expand the area of marketing so as they could continue.
• Another important point of the marketing , when the company be at the beginning of its life it faces great difficulties by the terrible competition between it and the other big companies, it will be like a baby between beasts and that child needs the support to take his first steps in the adult world - where the big companies have the experience and reputation which the small investor misses , beside the habituation of society to their goods which would be difficult to replace it with alternative goods from other new investor which is unknown, forcing the small investor stick to the market prices & maybe less than them - in spite of the large production costs - to attract consumers who may already have gotten used to the products of other big companies
• Also a very important advantage which is the marketing of products by the catalogs and discount coupons that make the dealers with the bank, both of depositors and the discount cards buyers make good use of the discount cards to buy such goods even for try. Discount makes it easy, especially the price of the commodity will be less with the discount, gives opportunity to try it more.

August 9, 2017 04:47

The advantages of the bank for investors
• The golden bank gives a great assistance to help the investor in all types of goods & services and all production stages & processes, from the starting process of establishing the company because in process of construction and at the beginning of the product life cycle where the increasing costs and lack of profit, which is almost equal to zero, if not actually less, if we suppose the existence of the interests costs plus it, that make it worse-& that leads the investor to one of three choices, either the investor stops the production for the payment of interests and be forced to end the company - and thus ended the life cycle of the product before it starts - or increases the price to increase his profit so as he could repay the loan and interest, which leads to a decline in demand for goods as a result of the high price


• This is not only for the starting company which may be at the beginning ,but it is also happens to the company that already has reached the stage of decay, which forces them to variety their activities and expand the area of marketing so as they could continue.
• Another important point of the marketing , when the company be at the beginning of its life it faces great difficulties by the terrible competition between it and the other big companies, it will be like a baby between beasts and that child needs the support to take his first steps in the adult world - where the big companies have the experience and reputation which the small investor misses , beside the habituation of society to their goods which would be difficult to replace it with alternative goods from other new investor which is unknown, forcing the small investor stick to the market prices & maybe less than them - in spite of the large production costs - to attract consumers who may already have gotten used to the products of other big companies
• Also a very important advantage which is the marketing of products by the catalogs and discount coupons that make the dealers with the bank, both of depositors and the discount cards buyers make good use of the discount cards to buy such goods even for try. Discount makes it easy, especially the price of the commodity will be less with the discount, gives opportunity to try it more.

August 9, 2017 04:42

The benefits of the Bank
Many advantages of the bank for each of money owners and investors, and even for the whole society.
The advantages of the bank for depositors
• the prices of Goods at the Golden Bank are acceptable because of the discounts and are not too expensive as the other banks due to the interests on it which the investor is forced to raise the price of the Goods to compensate for cost and repay the loan and interest
• ... Even if an increase of prices happens in general as a result of inflation or something , all clients dealing with the bank make good use of discounts &don’t be affected by price changing - whether the buyer of discount cards or depositor–the point is that the high price of the product leads to a rise in the value of the discount ...
For example: to suppose that a Commodity price of 100 $ and the discount rate is 10%, then the amount of discount 100 * 10% = 10 $,then , the commodity price have been risen to 120 pounds in this case, the amount of discount value equal to 120 * 10% = 12 $ ,, that means that the increased value of the discount by 2 pounds, & that depositor also have been benefited

August 9, 2017 04:42

The benefits of the Bank
Many advantages of the bank for each of money owners and investors, and even for the whole society.
The advantages of the bank for depositors
• the prices of Goods at the Golden Bank are acceptable because of the discounts and are not too expensive as the other banks due to the interests on it which the investor is forced to raise the price of the Goods to compensate for cost and repay the loan and interest
• ... Even if an increase of prices happens in general as a result of inflation or something , all clients dealing with the bank make good use of discounts &don’t be affected by price changing - whether the buyer of discount cards or depositor–the point is that the high price of the product leads to a rise in the value of the discount ...
For example: to suppose that a Commodity price of 100 $ and the discount rate is 10%, then the amount of discount 100 * 10% = 10 $,then , the commodity price have been risen to 120 pounds in this case, the amount of discount value equal to 120 * 10% = 12 $ ,, that means that the increased value of the discount by 2 pounds, & that depositor also have been benefited

August 9, 2017 04:39

Greetings Mr.Daniel,

thank you very much for your kind comment that gives me much pleasure , The difference between that bank and the other Banks is about the interest because it reverses the interest & transfers it to discount and that has many benefits that will explain it next. & about the discount it's totally different in that bank because the discount here could reach 90% but in other banks it could be 10 or 20 % and it be in specific conditions and offers for using ATM & so on

Thanks again & I wish you the best for you too

August 4, 2017 01:22

Hi Ahmed El-Ghamry,

This is an interesting idea and by just reading "zero interest Bank" it attracted my attention.

You have explained well in the summary section of the idea and under implementation part it appears you are discussing the first component "to do with discount" out of the three you indicated about what banks are all about. If possible, can you clarify what's really making the banking process in your idea unique to the common Banks? or the "discount...." done by banks now.

Otherwise, this is a great concept and all the best.

Ahmad

August 2, 2017 11:48

Hello Brother ,

this is good idea and you would have to be worked very hard on it , it seems to be a bit complicated but good explanation makes it more simple so I'm interested to know more about it

Ahmad

August 2, 2017 11:48

Hello Brother ,

this is good idea and you would have to be worked very hard on it , it seems to be a bit complicated but good explanation makes it more simple so I'm interested to know more about it

July 28, 2017 07:01

Greetings Mr. Seth Thomas Anohwonom,

thank you very much for your kind comment that gives me much pleasure , about matching deposits with a standard, it's only supporting idea for the main one ,& , it's just for estimating the value of money not dealing with it , it's just for trying to save the value of money from the inflation and protect people from economy problems , as you know at the poor countries with weak economy the value of the currency could be dropped at once suddenly ,so , if there are a fixed global currency for the whole world for example , and don't change , and all the countries & all the Banks stick to this currency in their deals , and use this fixed global currency to measure the value of deposits by this currency but transfer it to the local currency during the Banking transactions , fixed global currency can't be affected by any economy problems of any country because it doesn't depend on any country , it can't be changed by changing the other currencies all over the world . it must be stable. so , the Gold was just Example only for the , relative Stability of value or the relative stability of the purchasing power of the amount of the money in the bank (which is very similar to the rule of gold) But with some differences .and that will encourage people to invest their money in the bank .

The sense that if we look at the interest we will find that it consists of two types of interest or that it consists of two parts the interest , first part is to cover the inflation caused by the passage of time and the second part is the profit of the bank which is the difference between the interest of lending and borrowing
Therefore, the relative stability of purchasing power is dealing with the first part of interest.
So, that when someone of the lenders puts money in the bank ,the amount of the money is be evaluated according to matching precious metal as assessment like gold price for example , or according to something of lasting value or less vulnerable to fluctuations.
the bank could guaranty for the depositor , that if the standard has fallen , he will take back the bigger in value , if the local currency is bigger in value he will take the local currency , & if the standard value is bigger in that time the depositor will take the value of the standard in local currency.

thank you very much ,I hope could explain it well , thanks again & good luck.

Kind regards,
Ahmed

July 28, 2017 07:01

Greetings Mr. Seth Thomas Anohwonom,

thank you very much for your kind comment that gives me much pleasure , about matching deposits with a standard, it's only supporting idea for the main one ,& , it's just for estimating the value of money not dealing with it , it's just for trying to save the value of money from the inflation and protect people from economy problems , as you know at the poor countries with weak economy the value of the currency could be dropped at once suddenly ,so , if there are a fixed global currency for the whole world for example , and don't change , and all the countries & all the Banks stick to this currency in their deals , and use this fixed global currency to measure the value of deposits by this currency but transfer it to the local currency during the Banking transactions , fixed global currency can't be affected by any economy problems of any country because it doesn't depend on any country , it can't be changed by changing the other currencies all over the world . it must be stable. so , the Gold was just Example only for the , relative Stability of value or the relative stability of the purchasing power of the amount of the money in the bank (which is very similar to the rule of gold) But with some differences .and that will encourage people to invest their money in the bank .

The sense that if we look at the interest we will find that it consists of two types of interest or that it consists of two parts the interest , first part is to cover the inflation caused by the passage of time and the second part is the profit of the bank which is the difference between the interest of lending and borrowing
Therefore, the relative stability of purchasing power is dealing with the first part of interest.
So, that when someone of the lenders puts money in the bank ,the amount of the money is be evaluated according to matching precious metal as assessment like gold price for example , or according to something of lasting value or less vulnerable to fluctuations.
the bank could guaranty for the depositor , that if the standard has fallen , he will take back the bigger in value , if the local currency is bigger in value he will take the local currency , & if the standard value is bigger in that time the depositor will take the value of the standard in local currency.

thank you very much ,I hope could explain it well , thanks again & good luck.

Kind regards,
Ahmed

July 28, 2017 06:27

another good point Katlego Sito, about the costs & the cash flow when we are giving discounts instead of interests , where is the benefit ? what is the advantage ? right ?
1 -as a investor company:- the discount will encourage the people to try my product & if the discount will reduce my profit , but it will be sold as the same as it's cost , so , I will increase the production & will consider myself that I sold some products as the same price as it's cost .
2 - as a bank :- I will sell the catalogues that contains the discount cards for the people and gain my profit from selling the catalogues .
thank you very much ,I hope could explain it well , thanks again & good luck

July 28, 2017 06:27

another good point Katlego Sito, about the costs & the cash flow when we are giving discounts instead of interests , where is the benefit ? what is the advantage ? right ?
1 -as a investor company:- the discount will encourage the people to try my product & if the discount will reduce my profit , but it will be sold as the same as it's cost , so , I will increase the production & will consider myself that I sold some products as the same price as it's cost .
2 - as a bank :- I will sell the catalogues that contains the discount cards for the people and gain my profit from selling the catalogues .
thank you very much ,I hope could explain it well , thanks again & good luck

July 28, 2017 06:09

Hi Katlego ,

thank you very much for your kind comment that gives me much pleasure , about the second part of the money rotating cycle , for example , if you want to buy something costs 1000 and you only could save 100 per month , & the thing that you want to buy is on sale and the offer will last only for one month , then you have to collect 1000 in one month before the sale is ended , & you have 9 friends could help you , every one of them could save 100 too in every month ,so every one of them will give you the 100 that they saved , so all the 10 friends of you will collect 100+100+100+100+100+100+100+100+100+100=1000 so ,you can buy the thing you want , then the next month you will do the same so as another one of your friends could buy another thing she wants and so on every month ,
so ,that is small example for what the bank will do , For borrowers who do not intend to invest the loan money as some people may need money to pay off debts or for marriage or study or buy some something for example, or any circumstance ...How could the Bank help them then?
The answer is the (association cooperation rotation sharing cycle system) it’s a kind of round of money rotation cycle a way to fund-raising help of some individuals to Each other, however, that each of them involved a certain amount of monthly and have a turn in the receipt of funds, meaning everyone of them will pay amount of money to the bank & the bank collect them every month & one of the participant get the collected money in turn by rotation , the bank also could take part as participant in one or many turns , for examples we have 10 people need money every one needs 10000 dollars so everyone will pay to the bank every month 1000 and every month one of them will gain the money 10*1000 = 100000 , customer (1) in January , customer (2) in February , customer(3) in march , …. & so on & for more justice every one could have two turns like customer (1) take the first turn & the last turn , customer (2) take the second & the 9th month …. & so on, & every time , the more number of sharers increase , the more gain for everyone.
also more than one person could share the same turn , so if two people could only pay 500 $ per month , so , two people could share the same turn and every one of them pay 500 & ,so 500 + 500 = 1000 $ .

Month - Customer - monthly pay - - - - - - Turn gain - - - - total gain
1 - - - - - - - -1 - - - - - - - -1000 - - - - - - - -5000 - - - - - - - - 10000
2 - - - - - - - -2 - - - - - - - -1000 - - - - - - - - 5000 - - - - - - - - 10000
3 - - - - - - - - 3 - - - - - - - - 1000 - - - - - - - -5000 - - - - - - - -10000
4 - - - - - - - -4 - - - - - - - - 1000 - - - - - - - -5000 - - - - - - - -10000
5 - - - - - - - -5 - - - - - - - - 1000 - - - - - - - -5000 - - - - - - - -10000
6 - - - - - - - - 5 - - - - - - - -1000 - - - - - - - - 5000
7 - - - - - - - -4 - - - - - - - - 1000 - - - - - - - - 5000
8 - - - - - - - -3 - - - - - - - -1000 - - - - - - - -5000
9 - - - - - - - -2 - - - - - - - - 1000 - - - - - - - - 5000
10 - - -- - - - -1 - - - - - - - -1000 - - - - - - - - 5000

July 28, 2017 05:37

Dear Md. Sadiqur Rahman Khan ,

thank you very much for your kind words & nice wishes my dear brother , May Allah bless you too brother , it gives me much pleasure to answer your questions ,so please if you have another question don't hesitate just ask me ,I will be happy to answer you ,you are welcome any time , thanks again & I hope you the best for you too .

July 28, 2017 05:37

Dear Md. Sadiqur Rahman Khan ,

thank you very much for your kind words & nice wishes my dear brother , May Allah bless you too brother , it gives me much pleasure to answer your questions ,so please if you have another question don't hesitate just ask me ,I will be happy to answer you ,you are welcome any time , thanks again & I hope you the best for you too .

July 27, 2017 10:37

Hi Ahmed,

Your idea is awesome, it resembles what Jaiz Bank does in Nigeria. Please Keep it up.

However, talking about matching deposits with a standard (say gold as mentioned), don't you think your analogy is one-sided? What happens when the standard falls? And the depositor needs the money at that material time, won't that result to a loss?

I'm sure you'd have an answer to that already, because from the look of things you are sold out for this, and I love that!

Kind regards,
Seth

July 26, 2017 10:58

Hy Ahmed
Ur idea is realy good and it is going to help many people.however I can't help myself wondering on the second part of the money rotating on each client.I am asking about all the costs that will occur while the transfers are made even the human resources,who will pay for all those costs even when you are giving discounts instead of interests.won't that affect your cashflow as a company?good luck

July 26, 2017 01:05

Dear Ahmed El Ghamry,
Thank you for answering my silly questions. May Allah bless you brother. As I said before I do not have good knowledge in Economy but I think your idea can start a new era in banking sector and as well as in global economy as far as I understand. I really hope it will be your bank as I can guess you are an honest man not like greedy corporate people. I hope you win this competition.

July 25, 2017 05:52

greetings Mr :Mido ,
The difference between golden bank and the other Banks is about the interest because it reverses the interest & transfers it to discount and that has many benefits that will be explained.

July 25, 2017 05:49

dear brother Md. Sadiqur Rahman Khan ,

finally , I would like to thank you very much , & I hope that I could answer your questions in the best way , thank you for your concern

July 25, 2017 05:46

well , about the copyright & so on., my benefit from sharing my innovation here is helping people , helping people is the best benefit for me . , & I hope God be satisfied of me. maybe I will get my reward in this life ,maybe I could have my reward in the other life , any way , God Gave me this Idea , so , it Belongs to God , I'm just the tool to spread it , I hope I could do it well .
& for the Youth Citizen Entrepreneurship , I trust them very much for the copyright of my ideas ,& I would like to thank them very much for giving me the chance to publish my ideas for the whole world. as I have a copyright of these ideas in Egypt with other works and ideas before in 2011 & also I have a copyright from Google as I wrote it in an article & won in competition from google in 2009 so ,it's on the database of Google , & also reserved in some sites like google knowledge & WordPress since 2009

July 25, 2017 05:10

& about the theory of "Gold Deposition" rule , it's very old as the economy , but there are some differences here , we are talking here about estimating the value of money ,and try to save the value of money from the inflation and protect people from economy problems , not about the gold specifically , if there are a fixed global currency for the whole world for example , and don't change , and all the countries & all the Banks stick to this currency in their deals , and use this fixed global currency to measure the value of deposits by this currency but transfer it to the local currency during the Banking transactions , fixed global currency can't be affected by any economy problems of any country because it doesn't depend on any country , it can't be changed by changing the other currencies all over the world . it must be stable. so , the Gold was just Example only for the , relative Stability of value or the relative stability of the purchasing power of the amount of the money in the bank (which is very similar to the rule of gold) But with some differences

The sense that if we look at the interest we will find that it consists of two types of interest or that it consists of two parts the interest , first part is to cover the inflation caused by the passage of time and the second part is the profit of the bank which is the difference between the interest of lending and borrowing
Therefore, the relative stability of purchasing power is dealing with the first part of interest.
So, that when someone of the lenders puts money in the bank ,the amount of the money is be evaluated according to matching precious metal as assessment like gold price for example , or according to something of lasting value or less vulnerable to fluctuations.
For example....Suppose that someone had put 100000 $ in the bank,&let’s say that the price of gold in grams according to the current time,equal to20 $.... Then the value set by the Bank equal to 5000 grams ... and then the man comes after a period of time,ten years..(for example), to take back his money &withdraw his funds transfer from the bank ,& let’s say that the price of gram of gold at that time equal to 25 dollar, So due to the depositor the deserved money is 5000 * 25, or equal to 125000 $, which represents his account balance in the bank at this time , & the earned money equals 125000 – 100000 = 25000profit.

July 25, 2017 04:18

& about "The association cooperation sharing system''
if 12 people want to take $12,000 and 1st to 12th ones are paying $1,000 per month but unfortunately the 4th person can't pay the monthly installment of $1,000 anymore after paying for 3 months according to the deed where the deed was made to pay 12 times(for 1 year each month) , in this case we have 2 solutions :-

the first solution , is to pay back for the 4th person the money he paid at the first three months ,& the bank take his turn instead of him & complete the rotation cycle .
the second solution , the bank could share the payment with the fourth person , & pay the rest of the months instead of him , & when his turn of payback comes , the bank will share it with him , and the bank take the money that he paid , & the 4th person could complete the rotation cycle.
& I prefer the second choice because the aim of that bank is helping people in the first place.

also more than one person could share the same turn , so if two people could only pay 500 $ per month , so , two people could share the 4th turn and every one of them pay 500 & ,so 500 + 500 = 1000 $ .
& also as I mentioned before , for more justice , every one could have two turns . like customer (1) take the first turn & the last turn ,so he will pay back the first turn & the last turn , customer (2) take the second & the turn before the last …. & so on, & every time , the more number of sharers increase , the more gain for everyone.
Month Customer monthly pay Turn gain total gain
1 1 1000 5000 10000
2 2 1000 5000 10000
3 3 1000 5000 10000
4 4 1000 5000 10000
5 5 1000 5000 10000
6 5 1000 5000
7 4 1000 5000
8 3 1000 5000
9 2 1000 5000
10 1 1000 5000

and also the bank could take part in The association cooperation sharing system and take the last turns in the cycle , to help people get their money as soon as possible , so the 11th & 12th people could be the bank himself for example.

& in all cases the Bank should have guaranties from all the sharers , as it happens in the ordinary loan as the same procedures at the other banks .

July 25, 2017 03:14

1-for the Discount cards , they are issued for both of the depositors & people who buy the catalogues.
2- & about the depositors & the catalogues , the catalogues will have many different goods and variety products , & if they didn’t like some goods in the catalogue , they could find some other goods be suitable for them ,so , they could find goods that meet their needs.
3- & if the discounted products in the borrower's outlets won't be sold within the fixed certain time period , the bank could increase the discount from 10% to 15% for example to encourage the depositors to try the product , & decrease the number of the discounted products
4- & for your supposition that if the price of the product will become lower than the time that the money was borrowed , first of all , the percentage of the discount & the quantity of the discounted production will be related to the value of borrowed money ,so , if the price became lower , the number of discounted products will be increased .

July 25, 2017 03:04

greetings Mr : Md. Sadiqur Rahman Khan ,

thank you very much for your kind comment that gives me much pleasure , actually it's very long & full of many questions ,so , I hope that I could understand you well & get your point of view and understand all of your questions ,& I hope I could answer it in the best way & explain my ideas well , & , I hope you could understand my answers ,so , if there is misunderstanding or if there are something wrong please tell me ,If , I could explain it in better way , & , If you would like to allow to me to answer your questions in points separately ,

July 22, 2017 19:28

Greetings Mr. Ahmed Al Ghamry,
As I am not an economist and not a banking sector person, first of all I would like to know about your idea of "A discount instead of interest" in details, step by step the whole process by keeping in mind that the borrower is a textile buying house(local or international) or a new brand or an import-export company or a real state company or a hospital or an airlines company and the depositors are mostly middle class people. It would be really great if you clarify some things I am confused with, for example :- Discount cards issued for whom, the borrowers or depositors(part of it like you said in part 4) and if for depositors then what if they won't like the catalogues the bank will present as you described in part 4 in the comment section and what if the discounted products in the borrower's outlets(for example) won't be sold within the fixed certain time period or what if when the bank will dispose the 10% of the production the price will go lower than the time the money borrowed? Maybe I am confused and that is why I am asking these, I hope you will understand my curiosity brother, because if it works it will be great for the global economy as far as I know. As you can see I am concerned about risk management.
And the second thing I want to know about "The association cooperation sharing system". What if 12 people want to take $12,000 and 1st to 12th ones are paying $1,000 per month but unfortunately the 4th person can't pay the monthly instalment of $1,000 anymore after paying for 3 months according to the deed where the deed was made to pay 12 times(for 1 year each month) for these people and as you said they will get their deserved $12,000 rotation-wise, and once again risk management comes up and the 4th person might get into trouble along with the others as all of them are supposed to get $12,000 rotation-wise. Another thing is usually when a person needs money from any kind of bank he wants it asap, so is it going to be convenient to get the deserved $12,000 as the last person as the rotation system? Its like deposit scheme almost like a normal bank. That 4th person may be the one you explained in your comment section where someone asked you how come you came up with these ideas. 12 people and $12,000 and one of them failing to go according to the plan is a small example but what would be the risk management system if this happens with large numbers?
And finally "Gold Deposition" idea does already exist( https://www.sbi.co.in/portal/web/personal-banking/revamped-gold-deposit-scheme-r-gds ) and ( https://www.quora.com/What-is-a-gold-deposit-scheme-How-do-banks-earn-profit-from-it-How-does-it-benefit-the-Indian-government ) so I hope a bank with your idea or I hope when you will own a bank will add something new to compete with them. And people maybe get devastated if the price of gold gets lower or governments will disclose a fake price to give eyewash as we all know the government of most of the countries including my country don't disclose the real inflation rate or gold prices and others to keep control on general people. Though gold prices increase usually but still I am not convinced and hope you will clarify brother.
In addition I really want to know an important thing that how you will copyright your ideas or is there any way to do so and is Youth Citizen Entrepreneurship is going to help with patentship or copyright all of your ideas if possible cause who knows...ideas can be stolen, maybe after a while you will see a bank using your ideas but you didn't get any benefit from sharing your innovation here brother, please let me know.
I will be waiting for your reply and I hope you will find time to reply me, Thanks in advance.

Mido

July 21, 2017 23:40

it seems to be good idea , but , I would like to ask you about The difference between that Bank and the other banks , what is the advantage that give that bank the preference ?

July 16, 2017 12:53

• The association cooperation sharing system
For borrowers who do not intend to invest the loan money as some people may need money to pay off debts or for marriage or study or buy some something for example, or any circumstance ...How could the Bank help them then?
The answer is the (association cooperation sharing system) it’s a kind of round of money a way to fund-raising help of some individuals to Each other, however, that each of them involved a certain amount of monthly and have a turn in the receipt of funds, meaning everyone of them will pay amount of money to the bank & the bank collect them every month & one of the participant get the collected money in turn by rotation , the bank also could take part as participant in one or many turns , for examples we have 10 people need money every one needs 10000 dollars so everyone will pay to the bank every month 1000 and every month one of them will gain the money 10*1000 = 100000 , customer (1) in January , customer (2) in February , customer(3) in march , …. & so on & for more justice every one could have two turns like customer (1) take the first turn & the last turn , customer (2) take the second & the 9th month …. & so on, & every time , the more number of sharers increase , the more gain for everyone.

Month Customer monthly pay Turn gain total gain
1 1 1000 5000 10000
2 2 1000 5000 10000
3 3 1000 5000 10000
4 4 1000 5000 10000
5 5 1000 5000 10000
6 5 1000 5000
7 4 1000 5000
8 3 1000 5000
9 2 1000 5000
10 1 1000 5000

July 16, 2017 09:45

Some sub-items of complementary
• Discount notices
all outlets selling the goods produced by the supplier Shall be notified of discount cards to be collected and delivered to the supplier until it reaches the extent of the amount required and that each of the card with the discount received from the bank handed over to the seller - which in turn delivers them to the supplier - to get the discount on goods he buy.

• Marketing
Making Explanation booklets(catalogs) containing all the goods and services which the Bank is dealing with not only of goods but also services such as hospitals, doctors , dentists ,pharmacies , laboratories , offices like accounting offices, engineering offices, and legal lawyers offices and other services.
The Bank sells part of discount cards to non- depositors to gain his profit

July 16, 2017 09:43

part 4 :-

Second rule
Which is .. A discount instead of the interest, and this rule is even more important rather than the previous one, this is the heart of the idea, and this idea is : that the borrower from the bank is often being an investor, whether a personinvestor or group of persons establish their company, or an establishment already exists and needs to expand its business … But how to make profit if the bank did not take interest on this loan? Briefly to be explained, that the bank will have a partly ownership of a certain percentage of the production ofthe investorcompany ,& then issue a discount card (coupons), and this ratio is determined depending on the nature and value of the loan, for example: The company (A) which has the production of goods (P) has borrowed from the bank the amount of 1000000 $ ,so, the company will give the bank the right to dispose of part of the company's production of this goodswhich is (for Example) 10% of the production of the goods for a number of goods (N) or for a period of time depending on the specific agreement
The bank does this with a number of borrowing companies and then , the bank issue the discount cards (coupons), which contains the discount on every product and part of it is distributed to depositors according to their desire and the value of their deposit,& then make a production of a handbook to clarify (catalog) of the goods and products from companies dealing with the bank.
For example, someone deposited a certain amount in the bank ,so, he will be handed over the catalog to choose which discounted goods he wants, and he takes discount cards for a number of products matching with the amount of his balance in the bank and the period of pay deposit for it.

July 16, 2017 09:23

part 3 the contents of mixed ideas :-

Assumptions of the idea
The idea of the bank consists of two main Ideas subdivided toseveral secondaryparts
The first rule
relativeStability of value or the relative stability of the purchasing power ofthe amount of the money in the bank (which is very similar to the rule of gold) But with some differences

The sense that if we look at the interest we will find that it consists of two types of interest or that it consists of two parts theinterest , first part is tocover the inflation caused bythe passage of time and the second part is the profit of the bank which is the difference between the interest of lending and borrowing
Therefore, the relative stability of purchasing power isdealing with the first part of interest.
So, that when someone of the lenders puts money in the bank ,the amount of the moneyis be evaluated according to matching precious metal asassessment likegold price for example , or according to something of lasting value or less vulnerable to fluctuations.
Forexample....Suppose that someone had put 100000 USD in the bank,&let’s say that the price of gold in grams according to the current time,equal to20 $.... Then the value set by the Bank equal to 5000 grams ... and then the man comes after a period of time,ten years..(for example), to take back his money &withdraw his funds transfer from the bank ,& let’s say that the price of gram of gold atthat time equal to 25 dollar, So due to the depositor the deserved money is 5000 * 25, or equal to 125000 $, which represents his account balance in the bank at this time , & the earned money equals 125000 – 100000 = 25000profit.

July 16, 2017 09:20

peace be upon you too and god's mercy and blessings Mr Hamada :-

thank you very much , God bless you too :) , It gives me much pleasure to know that you liked it , thank you all friends and all people for kind comments :))

Hamada

July 15, 2017 12:26

peace be upon you and god's mercy and blessings :-

what a great Idea it encourages the investment and improves the economy , it really deserves to be achieved as soon as possible

July 15, 2017 06:06

part 2 :- the interest & it's effect on investment

Interest

I think that it is the straw that broke the camel's back, as not only the straw that breaks the camel's back, however, to carry this mount, which the straw (Interest) beside the already huge amount on his back (loan)broke it, As well as the interest that increases the weight on the borrowers’ shoulders beside the large amount of the actual loan

-The relationship between interest and investment :-

The relationship between interest and investment is an inverse relationship,the higher the interest rate the less the demand for money to investment

The theory of The famous scientist Kenz said that the economy's up to the highest level when the interest rate is zero..

July 15, 2017 05:59

that article I wrote & published in 2009 & the idea started with me before that time about 2006 , and here you are some parts of the article that was written in Arabic in 2009

part one :-
Introduction
Golden Bank Idea
The idea of Bank of works without interest
Have you ever come to your mind a question, which is how could be for a Bank to have a patent?
..... Inventions, it is supposed to be modern and advanced equipment..... Inmy modest point of view, I think it is the same as the bank
If we look at inventions and discoveries of modern science, we will find that any device regardless of the degree of complexity, it is composed of materials exists since old time ago, meaning that any material within the industry were originally exists,so,what has been introduced?
The new matter which was developed is the way of installing & preparing these components &arranging them together in the form which produces a new product to serve a new purpose
& this is what reflected in my mind about these ideas, which I would like to tell you in detail
Contents
• Introduction
• Interests
• The relationship between interest and investment
• Assumptions of the idea
• The first rule
• Second rule
• Some sub-items of complementary
• Discount notices
• Marketing
• The association
• The difference between gold and the World Bank and the rest of other Islamic banks in general
• The interests of the World
• The advantages of the bank's depositors
• The advantages of the bank's investor
• The advantages of the bank at the community level
• اReferences
• Conclusion

July 15, 2017 05:12

Greetings Mrs Aliaa ,

thank you for your kind comment that gives me much pleasure , May God be with us all , thank you all for your support , God bless you all :)

Aliaa

July 2, 2017 22:13

very good idea , May God be with you , it's very nice project & brilliant Ideas leads to the development for the economy in all countries ,go ahead , good luck for this competition

June 17, 2017 09:12

Greetings Mr Abdullah ,

thank you for your kind comment that gives me much pleasure , actually there are many reasons made me think of this idea ,one of them , a sad story happened in front of my eyes when I was training in an international bank , a young man was crying and begging the employee to give him time for payment because his father had a loan and paid a part of it & still a big part beside the interest have to be paid , & the man that had the loan is dying in the hospital and his family don't have money

Abdullah

June 11, 2017 05:35

it is very good competition with many good ideas and this one is very interesting , if you allow me to ask you what is the reason that made you think of this idea ?

June 9, 2017 22:46

greetings Mr : Khalaf ,

thank you very much for your kind comment that gives me much pleasure ,there is option in this bank which is :-
• The association cooperation sharing system
For borrowers who do not intend to invest the loan money as some people may need money to pay off debts or for marriage or study or buy some something for example, or any circumstance ...How couldthe Bank help them then?
The answer is the (association cooperation sharingsystem) it’s a kind of round of money a way to fund-raising help of some individualsto Each other, however, that each of them involved a certain amount of monthly and have a turn in the receipt of funds, meaning everyone of them will pay amount of money to the bank & the bank collect them every month & one of the participant get the collected money in turn by rotation , the bank also could take part as participantin one or many turns , for examples we have 10 people need money every one needs 10000 dollars so everyone willpay to the bank every month 1000 and every month one of them will gain the money 10*1000 = 100000 , customer (1) in January , customer (2) in February , customer(3) in march , …. & so on & for more justice every one could have two turns like customer (1) take the first turn & the last turn , customer (2) take the second & the 9th month …. & so on, & every time , the more number of sharers increase , the more gain for everyone.
Month Customer monthly pay Turn gain total gain
1 1 1000 5000 10000
2 2 1000 5000 10000
3 3 1000 5000 10000
4 4 1000 5000 10000
5 5 1000 5000 10000
6 5 1000 5000
7 4 1000 5000
8 3 1000 5000
9 2 1000 5000
10 1 1000 5000

Khalaf scotsh

June 9, 2017 02:08

well done , this idea could change the shape of the economy all over the world , would you like to tell me if I want to get loan and I don't produce any product & I don't have company ?

June 8, 2017 23:44

greetings Mr : Kemal Abdela ,

thank you very much for your kind comment that gives me much pleasure ,
you are right it's very hard challenge & needs cooperation with others & needs huge capital & marketing , but I hope it could be done in the best way.

June 8, 2017 23:42

greetings Mr : Kemal Abdela,

thank you very much for your kind comment that gives me much pleasure ,
you are right it's very hard challenge & needs cooperation with others & needs huge capital & marketing , but I hope it could be done in the best way.
thanks again & i hope you best wishes :))

June 8, 2017 08:00

I think it is very nice idea. It's provides opportunity for all and motivates people towards investment.
However, the implementation would one of the challenges unless you work hard in collaboration with others.
Keep doing good things.

June 7, 2017 18:57

المقال باللغة العربية تم كتابته في 2009 :-

قد يتبادر إلى أذهان البعض سؤال وهو كيف أن يكون لبنك براءة اختراع ؟ فمن المفترض ان الاختراعات تكون عبارة عن اجهزة حديثة و متطورة ….. من وجهة نظري المتواضعة الأمر سيان
فبالنظر إلى أي جهاز من الأجهزة والاكتشافات العلمية الحديثة المتطورة نجد أن أي جهاز مهما بلغت درجة تعقيده فإنه يتكون من مواد قديمة قدم الأزل أي ان المواد الداخلة في صناعته كانت موجودة بالأصل … فما الذي استحدث ؟

الذي استحدث هو طريقة تركيب وترتيب هذه المكونات بالشكل الذي ينتج منتجا جديدا ليؤدي غرضا جديد ا
وهذا هو ما ورد في خاطري حيث راودتني هذه الأفكار التي سوف اسردها عليكم بالتفصيل

المقدمة

فقد راودتني هذه الفكرة – وهي فكرة بنك يعمل بدون فوائد – منذ أكثر من سنتين تقريبا وذلك قبل حدوث الأزمة العالمية بفترة كبيرة والذي جعلني افكر في هذه الفكرة هي القروض وخاصة مدى قبولها في مجتمعاتنا العربية والإسلامية ومدى إقبال الناس عليها وآراء العلماء المتضاربة حولها خاصة في الجزء المتعلق بالفوائد

الفوائد

التي اعتقد انها القشة التي قسمت ظهر البعير حيث ان ليست القشة وحدها هي التي قسمت ظهر البعير ولكن حمل هذه القشة بجانب الحمل الذي يحمله البعير بالفعل قد قسم ظهره … كذلك فليست الفوائد وحدها هي التي تثقل

كاهل المقترضين ولكنها تزيد من الثقل على عاتقهم بصورة كبيرة بجانب المبلغ الفعلي للقرض
العلاقة بين الفوائد والاستثمار

العلاقة بين الفوائد والاستثمار هي علاقة عكسية فكلما زاد معدل الفائدة قل الطلب على الاموال بغرض الاستثمار

حيث اكد العالم الشهير كينز وصاحب النظرية الكينزية الشهيرة أن الاقتصاد يصل الى اعلى مستوى له عندما تكون الفائدة بصفر..

مصدر الفكرة وسببها

الفرق بين البيع والربا

تساءلت كثيرا عن الفرق بين الربا والبيع بالتقسيط وهل البيع بالتقسيط يعد ربا وهل هو حلال أم حرام … حتى توقفت عند هذه الآية الكريمة التي تقول (

ذلك بأنهم قالوا إنما البيع مثلالربا وأحل الله البيع وحرم الربا) ثم سألت نفسي مرة أخرى ما الذي يفرق بين البيع والربا … ووجدت أن الجواب سهل جدا على ما أعتقد حيث أنه لا يصح أن تبيع نقود بنقود أكثر من نفس النوع – ولا اتكلم عن تحويل العملة – على سبيل المثال : لا يجوز وفقا للمنطق أن تبيع جنيه بجنيه ونصف أو تشتري جنيه بخمسين قرشا مثلا فأين العقل إذن فالبيع هو أن تبيع سلعة مقابل نقود أو سلعة أخرى كما في المقايضة قديما ولكن الربا شيئا آخر
معادلة تحويل الربا إلى بيع

ثم سألت نفسي مفكرا ؟! عن كيفية تطبيق هذا على أرض الواقع وهل يمكن أساسا؟ وما هي آليه تحقيق هذه المعادلة؟ …. حتى هداني الله إلى هذه المعادلة وأرجو أن تكون صحيحة ويمكن تحقيقها حسنا لنبدأ من البداية في صورة أسئلة وإجابات بسيطة … ما هي وظيفة البنك ؟ … الجواب ببساطة هو أخذ النقود من شخص وإعطائها لشخص آخر.. جميل .. وماذا يفعل بها الشخص الآخر؟ .. في الغالب يستثمرها..كيف؟ ..يقيم مشروع وينتج منه سلعة مثلا .. ثم ماذا يفعل بعد أن ينتج السلعة ؟ …يبيع السلعة..(توقف معي قليلا .. هل كلمة يبيع تذكرك بشيئ ما ؟..نعم البيع .. المذكور في الآية الكريمة ).. لنكمل ..ولمن تباع السلعة؟ .. تباع إلى كل من بالمجتمع تقريبا .. المجتمع الذي يعد صاحب الاموال -التي اخذها البنك منه- واحد منهم ..أي انها تعود على صاحب الاموال (المودع ) في نهاية المطاف ولكن بصورة غير مباشرة.. ومن هنا بدأت أفكر

الافتراضات التي تقوم عليها الفكرة

تقوم فكرة هذا البنك على ركيزتين أساسيتين تتفرع منهما عدة بنود ثانوية

القاعدة الأولى

هي قاعدة الثبات النسبي للقيمة أو الثبات النسبي للقوة الشرائية للمبلغ الموضوع بالبنك (وهي شديدة الشبه بقاعدة الذهب)… ولكن مع بعض الإختلافات

بمعنى أننا إذا نظرنا إلى الفائدة نجد أنها تتكون من نوعين من الفائدة أي انها تتكون من شقين الشق الاول ليلافي التضخم الناتج مع مرور الوقت والشق الثاني هو ما يمثل المكسب للبنك وهو الفرق بين فائدة الإقراض والإقتراض لذلك فإن قاعدة الثبات النسبي للقوة الشرائية تعالج الشق الأول بنسبة كبيرة وذلك بأنه عندما يضع احد المقرضين ماله بالبنك يتم تقييم كمية النقود بما يضاهيها من معدن او شيئ ثابت القيمة أو قليل التأثر بتقلبات الأسعار كالذهب مثلا على سبيل المثال : لنفترض أن شخصا ما وضع 100000جنيه بالبنك ولنفرض ان سعر جرام الذهب في الوقت الحالي يساوي 136 جنيه …. إذن فإن قيمة ما يضعه في البنك يساوي 770 جرام… ثم يأتي الرجل بعد فترة من الزمان عشر سنوات مثلا.. ليسحب رصيده من البنك ولنقل ان سعر جرام الذهب في هذا الوقت يساوي 150 جنيه اذن المستحق للمودع هو 770 * 150 اي ما يساوي 10500 جنيه وهو ما يمثل حسابه في البنك في هذا الوقت

القاعدة الثانية

وهي الخصم بدلا من الفائدة وهذه القاعدة هي الاهم بل هي قلب الفكرة ولبها وهذه الفكرة تتمثل في أن المقترض من البنك في الغالب يكون مستثمر سواء ان كان شخص أو مجموعة أشخاص يقوموا بإنشاء شركة أو منشأة موجودة بالفعل وتحتاج لتوسيع نشاطها .. فيقوم هذا البنك بإقراضها بالطريقة السالف ذكرها.. لكن كيف يستفيد البنك إذا لم يأخذ فوائد على هذا القرض؟ الشرح بإيجاز أن البنك سوف يقوم بأخذ حقوق ملكية لنسبة معينة من انتاج الشركة ثم يقوم بإصدار بطاقات خصم (كوبونات) وتتحدد هذه النسبة على حسب طبيعة وقيمة القرض على سبيل المثال : أن الشركة (ش) تقوم بإنتاج السلعة (س) وقد اقترضت من البنك مبلغ 1000000 جنيه فقامت الشركة بإعطاء البنك حق التصرف في جزء من انتاج الشركة من هذه السلعة والمتمثل في نسبة 10% مثلا من نسبة السلعة لعدد من السلع (ع) او لفتره زمنية معينة على حسب الاتفاق ويفعل البنك ذلك مع عدد من الشركات المقترضة ثم يقوم البنك بإصدار بطاقات الخصم (الكوبونات) التي تحتوي على الخصم على كل سلعة ويوزع جزء منها على المودعين على حسب رغبتهم وذلك بإصداره لكتيب توضيح ( كتالوج) للسلع والمنتجات للشركات التي يتعامل معها البنك . فمثلا فلان اودع مبلغ معين في البنك فيتم تسليمه هذا الكتيب ليختار منه السلع التي يريدها ويكون عليها خصم فيأخذ بطاقات الخصم لعدد من المنتجات بما يتوافق مع المبلغ الذي اودعه في البنك وفترة الإيداع

بعض البنود الفرعية المكملة

إشعارات الخصم

يتم إخطار جميع منافذ بيع السلعة المنتجة من قبل المورد بحيث يتم تجميع بطاقات الخصم وتسليمها للمورد حتى يصل الحد للكمية المطلوبة وذلك بأن كل من معه بطاقة خصم استلمها من البنك يسلمها للبائع – الذي بدوره يسلمها للمورد – حتى يحصل على الخصم على السلعة التي يشتريها
التسويق

يتم عمل كتيبات للشرح (كتالوجات ) تحتوي على جميع السلع و الخدمات التي يتعامل معها البنك فليس للسلع وحدها بل للخدمات أيضا مثل المستشفيات ومكاتب الهندسة و المحاسبة والمحاماه وغيرها

ويقوم البنك ببيع جزء من بطاقات الخصملصالحه لغير المودعين بنسبة معينة بحيث يستفيد البنك من جزء من الارباح
نظام الجمعيات

وبالنسبة للمقترضين الذين لا ينوون الإستثمار بأموال القرض حيث أن بعض الناس قد يحتاج للنقود لتسديد دين أو للزواج أو للحج مثلا او أي ظرف ما… فكيف يساعدهم البنك حينها ؟ الجواب هو نظام ( الجمعيات) باللغة الدارجة في مصر والتي هي متبعة بين كافة الشعب في مصرعلى حد علمي وهي طريقة لتدبير الأموال بمساعدة بعض الافراد بعضهم البعض وذلك بأن يشترك كل منهم بمبلغ شهري معين ويكون له دور في قبض الاموال ولكن تعاني هذه الجمعيات من بعض المخاطر حيث تفقد في بعض الاحيان الثقة بين المشتركين وصعوبة إيجادهم ولكن مع البنك سوف تكتسب صفة الثقة والضمان حيث يمثل البنك الضامن لكل فرد وعلى كل فرد تقديم ضمانات كما يحدث في حالة القرض العادي

الفرق بين البنك الذهبي و البنوك الإسلامية الأخرى وباقي البنوك بصفة عامة

يكمن الفرق بين هذا البنك والبنوك الإسلامية الأخرى في عملية الإقراض والإقتراض حيث أن البنك الإسلامي بصفة عامة في الجزء الخاص بالإقراض يعتمد على المضاربة والتمويل أي ان البنك يقوم بتمويل المشروعات وتشغيل النقود بنفسه وهذا النوع لا يصلح في كل المجالات حيث يوجد بعض المشروعات الضخمة التي تحتاج رؤوس أموال ضخمة لا يقدر عليها وأيضا يوجد بعض المشروعات التي تحتاج إلى قدر كبير من التخصص ودراسات على مستوى عالي جدا بيد انه يكسر المعنى العام المتعارف عليه لكلمة بنك اي وسيط بين المودع والمستثمر ففي هذه الحالة يكون البنك هو المستثمر بالفعل أي جمع بين وظيفتي الوسيط والمقترض (وهذه ليست نقيصة في البنك الإسلامي وإنما ميزة كبيرة لكن كما ذكرنا بعض المشروعات تكون معقدة وتحتاج تخصص او تمويل كبير لا يقدر عليه البنك بمفرده) لكن في البنك الذهبي كل له دوره والدورة تتم بصورة طبيعية ولكن مع بعض الإختلافات الغير الجوهرية في التأسيس لكن غاية في الأهمية من جهة المضمون

وبالنسبة للفرق بين البنك الذهبي والبنوك الأخرى فهو يختلف في جانب الفوائد حيث انه يقوم بتحويلها إلى خصم أي عكسها وذلك له فوائد عديدة سوف نقوم بشرحها
مزايا البنك

تتعدد مزايا البنك بالنسبة لكل من أصحاب الأموال والمستثمرين بل وعلى مستوى المجتمع ككل

مزايا البنك بالنسبة للمودعين

أن السلع تكون أسعارها مقبولة وليست باهظة الثمن نتيجة للفوائد التي تفرض على المستثمر مما يضطره إلى رفع ثمن السلعة لتعويض مكسبه وتسديد القرض وفوائده
حتى إذا حدث إرتفاع للأسعار بصفة عامة نتيجة للتضخم أو ما إلى ذلك فإن المتعامل مع البنك – سواء كان مودع أو مشتري لبطاقات الخصم – يكون مستفيدا حيث أن ارتفاع ثمن السلعة يؤدي إلى ارتفاع قيمة الخصم …

على سبيل المثال : سلعة ثمنها 100 جنيه والخصم عليها بنسبة 10% إذن يكون مقدار الخصم 100 * 10% = 10 جنيه لنفترض أن السلعة ارتفع ثمنها إلى 120 جنيه ففي هذه الحالة يكون قيمة الخصم تساوي 120*10%=12 أي زادت قيمة الخصم بمقدار 2 جنيه أي ان المودع أيضا قد استفاد

مزايا البنك بالنسبة للمستثمر

مساعدة المستثمر مساعدة كبيرة المستثمر مساعدة كبيرة حيث أن المنشأة تكون في طور الإنشاء ويكون المنتج في بداية دورة حياته حيث يتسم بزيادة التكاليف وقلة الربح الذي يكاد يساوي الصفر تقريبا ان لم يكن اقل بالفعل فإذا افترضنا وجود فوائد فإنها كما يقال – تزيد الطين بلة – فيؤدي ذلك إلى شيئ من ثلاثة إما ان يتوقف المستثمر عن الانتاج لتسديد فوائده ويضطر إلى فض الشركة – وبذلك تكون قد انتهت دورة حياة المنتج قبل أن تبدأ – أو يزيد من مقدار السعر ليزيد من مكسبه حتى يستطيع تسديد القرض و الفوائد مما يؤدي لانخفاض الطلب على سلعته نتيجة لارتفاع سعرها
وليس ذلك بالنسبة للشركة التي في البداية فقط فقد تكون شركة موجودة بالفعل وقد وصلت إلى مرحلة الاضمحلال مما يضطرها إلى تنويع أنشطتها وتوسيع مجال تسويقها للقدرة على المواصلة
نقطة أخرى هامة من الجانب التسويقي عندما تكون الشركة في بدايه حياتها تواجه صعوبات جمة إلى جانب المنافسة الرهيبة بينها وبين الشركات الكبيرة الاخرى فهي تكون كالطفل الرضيع بين الوحوش الكاسرة وذلك الطفل يحتاج إلى دعم حتى يخطو خطواته الاولى في عالم الكبار – حيث تتمتع الشركات العملاة بالخبرة والسمعة التي يفتقدها المستثمر الصغير ناهيك عن تعود المجتمع على سلعهم التي يكون من الصعب استبدالها بسلع بديلة لمستثمر مغمور مما يضطر هذا المستثمر الصغير بالإلتزام بأسعار السوق بل أقل منها – على الرغم من تكاليف الإنتاج الكبيرة – ليجذب المستهلكين الذين قد اعتادوا بالفعل على منتجات الشركات الأخرى
أيضا ميزة هامة جدا وهي تسويق المنتجات بواسطة الكتيبات التوضيحية المصورة وبطاقات الخصم التي تجعل المتعاملين مع البنك من مودعين ومشترين لبطاقات الخصم يشترون هذه السلع ولو على سبيل التجربة . فالخصم يسهل من هذا الامر خاصة أن مع الخصم يكون سعر السلعة أقل وتكون فرصة تجربتها أكبر

مزايا البنك على مستوى المجتمع

زيادة الاستثمار والحث على الاستثمار المباشر واعطاء فرص لاصحاب المشروعات الصغيرة و الكبيرة لتنفيذ افكارهم واثراء المجتمع
توطيد الصلة بين المودعين والمستثمرين وبينهم وبين المشروعات والمنتجات مما يجعل كل فرد يشعر بدوره في التنمية ويجني ثمار عمله
إكساب البنك صفة التسويق الى جانب التمويل حيث ان كثير من المشروعات الجديدة تحتاج الى التسويق
الحد من التضخم بل قد نقول عكس اتجاه عجلته حيث ان بدلا من وجود الفوائد التى تؤدي الى زيادة الاسعار سيؤدي وجود الخصم الى انخفاض اسعار السلع
حث المستثمرين على تحسين جودة سلعهم حتى يزداد الطلب عليها فتزداد الكمية المباعة منها مما يعجل من فترة انتهاء الخصم نتيجة لنفاذ الكمية المقام عليها الخصم
القضاء على الربا المتمثل في الفوائد والتخلص من جميع نواتجه السلبية الضارة بالمجتمع

ميزة اخرى انه يمنع أصحاب الاموال من الاعتماد على الريع الناتج من الفوائد مما يزيدهم كسلا وتواكل و زيادة غناهم على حساب الفقراء دون مقابل بل يحثهم على العمل والكسب الشريف لكن هذا لا يحول دون استفادتهم بالطبع من الخصومات التي يقدمها لهم البنك على السلع
يعمل على حث أصحاب الاموال الذين لا يملكون أفكار مشروعات لتنفيذها ولا يضعون اموالهم بالبنك خشية الوقوع في الشبهات الناجمه عن الفوائد وحرمتها وما إلى ذلك
يعمل على إدارة وتشغيل الاموال والطاقات والموارد الراكدة لدى الناس ولدى البنوك ذات الفوائد التي يقل الاقبال على الاستثمار لديها نتيجة لارتفاع الفوائد
الحد من البطالة وحث اصحاب الافكار والمشروعات على تنفيذ مشروعاتهم وتوظيف الطاقات المهدرة
تنمية رأس المال الاجتماعي حيث ان انتشار البطالة يؤدي الى ارتفاع الجرائم نتيجة لكثرة الوقت الضائع وقلة الموارد المادية لدى الفقراء
تنمية رأس المال الفكري نتيجة لحث الشباب واصحاب الافكار الجديدة على تنفيذها على ارض الواقع بدلا من الإحتفاظ بها وتركها تضيع في عالم الخيال

June 7, 2017 11:57

greetings Shuhra/Koofi ,

thank you for your kind comment that gives me much pleasure , I hope you best wishes for you too ,
actually the bank helps in Marketing by Making Explanation booklets (catalogs) containing all the goods and services which the Bank is dealing with not only of goods but also services such as hospitals, doctors , dentists ,pharmacies , laboratories , offices like accounting offices, engineering offices, and legal lawyers offices and other services.
The Bank sells part of discount cards to non- depositors to make more marketing .
the bank also gives a great assistance to help the investor in all types of goods & services and all production stages&processes, from the starting process of establishing the company because in process of construction and at the beginning of the product life cycle where the increasing costs and lack of profit, which is almost equal to zero, if not actually less, if we suppose the existence of the interests costs plus it, that make it worse-& that leads the investor to one of three choices, either the investor stops the production for the payment of interests and be forced to end the company - and thus ended the life cycle of the product before it starts - or increases the price to increase his profit so as he could repay the loan and interest, which leads to a decline in demand for goods as a result of the high price
• This is not only for the starting company which may be at the beginning ,but it is also happens to the company that already has reached the stage of decay, which forces them to variety their activities and expand the area of marketing so as they could continue.
• Another important point of the marketing , when the company be at the beginning of its life it faces great difficulties by the terrible competition between it and the other big companies, it will be like a baby between beasts and that child needs the support to take his first steps in the adult world - where the big companies have the experience and reputation which the small investor misses , beside the habituation of society to their goods which would be difficult to replace it with alternative goods from other new investor which is unknown, forcing the small investor stick to the market prices & maybe less than them - in spite of the large production costs - to attract consumers who may already have gotten used to the products of other big companies
• Also a very important advantage which is the marketing of products by the catalogs and discount coupons that make the dealers with the bank, both of depositors and the discount cards buyers make good use of the discount cards to buy such goods even for try. Discount makes it easy, especially the price of the commodity will be less with the discount, gives opportunity to try it more.

June 3, 2017 18:49

Hi Ahmed el-ghamry,
You have put up a great idea...Best wishes for the same. But would you mind telling me that how the banks will help in the marketing of the products?..

May 31, 2017 10:41

greetings Mr Otaigo Elisha ,

actually , some friends told me that they have problems in entering the site & some others told me that they have problems in voting , but the others didn't have any problems , so, I can't ask every one what is the problem facing you or why you didn't vote for me , maybe it's temporary internet problems , thank you very much , I hope the best for you , you have a very good idea ,well done

best wishes

May 30, 2017 06:13

Hi
Am wandering why my voter fail to Vote through my Link are you not encouring the same problem I saw you continue to Vote while our Voter fail to Vote? Is this possible? Or did sometime have some problem?

May 26, 2017 16:48

لكل من يريد شرح أكثر بساطة باللغة العربية الشرح والتوضيح باللغة العربية في هذا الرابط و بالنسبة لمن يستخدم الموبايل برجاء فتح نسخة الموقع الكامل full site من آخر الصفحة بالموقع اللذي بالرابط أو تنشيط طلب استخدام نسخة الكمبيوتر من الاإعدادات request desktop site

https://ahmedelghamry.wordpress.com/article/bankzahaby/

May 26, 2017 09:47

thank you very much my brothers , Ahmed Rashad & Mohamed Samir for your supporting I hope you the best in your life , thank you so much , I really can't describe my feeling , even If I didn't go further that that in this competition or in life generally , but your support & our brotherhood are enough for me , knowing you is the best prize for me , thank you very much for your noble great feelings :)

May 26, 2017 09:39

Dear Mohamed Samir ,

thank you very much my brother , God bless you too :) , It gives me much pleasure to know that you liked it , I with you the best for you too , thank you :))

Mohamed Samir

May 26, 2017 01:23

God bless you my brother, wish you the best of the best, it is really a great idea und able to be implemented .
I think that you will be in abetter place soon with much of success

May 25, 2017 16:44

dear Ahmed Rashad ,

thank you very much my friend , God bless you :) , It gives me much pleasure to know that you liked it , thanks

ربنا يكرمك والله يابوحميد هو كل المساعدة بس اللي محتاجها لو ممكن تصويت كل يوم مرة وياسلام لو شير للرابط بقى وكدة :)

May 25, 2017 11:35

Great idea and also it is out of the box if you got alitlle help and encouragement you will be able to apply it , and also keep us up to o date and let us know if you needed any help regarding this as I am ready to help

May 24, 2017 09:52

dear Uledi Kimbavala ,
thank you for your kind comment that gives me much pleasure ,
you are right most of population will have benefit if this idea is applied well & some of it's benefits are :-

The benefits of the Bank
Many advantages of the bank for each of money owners and investors, and even for the whole society.

The advantages of the bank for depositors :-
• the prices of Goods at the that Bank are acceptable because of the discounts and are not too expensive as the other banks due to the interests on it which make the investor forced to raise the price of the Goods to compensate for cost and repay the loan and interest
• ... Even if an increase of prices happens in general as a result of inflation or something , all clients dealing with the bank make good use of discounts & don’t be affected by price changing - whether the buyer of discount cards or depositor–the point is that the high price of the product leads to a rise in the value of the discount ...
For example: to suppose that a Commodity price of 100 $ and the discount rate is 10%, then the amount of discount 100 * 10% = 10 $,then , the commodity price have been risen to 120 pounds in this case, the amount of discount value equal to 120 * 10% = 12 $ ,, that means that the increased value of the discount by 2 pounds, & that depositor also have been benefited.

The advantages of the bank for investors:-

• The bank gives a great assistance to help the investor in all types of goods & services and all production stages & processes, from the starting process of establishing the company because in process of construction and at the beginning of the product life cycle where the increasing costs and lack of profit, which is almost equal to zero, if not actually less, if we suppose the existence of the interests costs plus it, that make it worse-& that leads the investor to one of three choices, either the investor stops the production for the payment of interests and be forced to end the company - and thus ended the life cycle of the product before it starts - or increases the price to increase his profit so as he could repay the loan and interest, which leads to a decline in demand for goods as a result of the high price .
• This is not only for the starting company which may be at the beginning ,but it is also happens to the company that already has reached the stage of decay, which forces them to variety their activities and expand the area of marketing so as they could continue.
• Another important point of the marketing , when the company be at the beginning of its life it faces great difficulties by the terrible competition between it and the other big companies, it will be like a baby between beasts and that child needs the support to take his first steps in the adult world - where the big companies have the experience and reputation which the small investor misses , beside the habituation of society to their goods which would be difficult to replace it with alternative goods from other new investor which is unknown, forcing the small investor stick to the market prices & maybe less than them - in spite of the large production costs - to attract consumers who may already have gotten used to the products of other big companies
• Also a very important advantage which is the marketing of products by the catalogs and discount coupons that make the dealers with the bank, both of depositors and the discount cards buyers make good use of the discount cards to buy such goods even for try. Discount makes it easy, especially the price of the commodity will be less with the discount, gives opportunity to try it more.

The advantages of the bank for the community :-

• Increasing investment and to encouraging direct investment and to giving opportunities for owners of small and large projects to achieve their ideas and enrich the community
• strengthening the relationship between the depositors and investors and between them and the projects and products, making each individual feel his role in the development and being main element & part of the production wheel.
• Giving the bank the function of marketing as well as funding, as many of the new projects need to marketing
• Reduction of inflation may even we can say reverse it as it turnover the interest which is the cause of increasing prices and turn it into a discount that leads to lower commodity prices .
• Investors will do their best to improve the quality of their goods so as to increase the demand for increasing the sold quantity of goods, which speed up the period of the discount end as a result of finishing the discount amount .
• Elimination of the interest and the side effects upon the output .
• Another feature that it prevents the money owners from relying on the gross rent which interests leads to lazy being, inciting and other reliance & dependence on others & on their money & increasing complacency & wealthy free of charge without work or any effort at the expense of the poor hardworking people, but urges them to work & make good use of the discounts provided by the Bank.
• Working to encourage the owners of the money who do not have ideas of projects to help them to put their money in the bank and not to fear of falling into the suspicions arising from the interest.
• Working on the management and operation of the money and stagnant energies and resources of the people and of the banks with the interests that the demand for investment in it be lower as a result of high interest
• Reduction of unemployment and encouraging the owners of ideas and projects to achieve their projects and the recruitment of potential wasted powers
• Development of social capital as the spread of unemployment lead to a rise in crime due to the large number of lost time and lack of material resources of the poor
• The development of intellectual capital due to encouraging young people and owners of new ideas to achieve it instead of keeping it left and lost in a world of imagination.

May 24, 2017 06:19

Its good idea as it gives more attention to expation of service and it eradicates fear of interest.If the number of population estimate of people who will benefit directly should be included,I think this is wonderful idea to touch even at lowerlower economical status of people

May 23, 2017 23:23

Its good idea as it gives more attention to expation of service and it eradicates fear of interest.If the number of population estimate of people who will benefit directly should be explained